JP2015504197A - Payment system and method - Google Patents

Abstract

A smart phone (106) with a processor (150) performs program money transfers to an account associated with another smart phone and interacts with the application server (102) or merchant terminal (108). Execute. The smart phone scans the quick response (QR) code and decodes the QR code to recover the encoded data. The smart phone uses the encoded data alone or with other data, such as data from a user profile, to obtain a promotional gift certificate from a merchant server. The smart phone can start redeeming the promotional gift certificate. The smartphone displays a confirmation form that prompts an image capture of items that the application server can use to confirm the payment instrument and account. The confirmation form prompts the user to capture a driver's license, payment instrument, bill, or passport image. The communication between the application server and the smartphone includes a device identifier such as MSISDN, IMEL or IMSI. [Selection] Figure 1

Description

  The present invention relates to a payment system and method.

  Priority Claim: This application claims the benefit of GB Patent Application No. 111935.2 filed on November 10, 2011, and US Provisional Patent Application No. 61 / filed on January 17, 2012. Claims the benefit of 587,416. GB Patent Application No. 111935.2 and US Provisional Patent Application No. 61 / 587,416 are hereby incorporated by reference for all purposes.

  Unless otherwise indicated, elements described in this chapter are not prior art to the claims, and are not admitted to be prior art by inclusion in this chapter.

  The resolution of financial transactions between two parties is typically accomplished by cash or various payment means such as debit cards, credit cards, checks, and electronic funds transfers. While security issues reduce the attractiveness of cash transaction resolution, checks and electronic funds transfers are inconvenient and time consuming to use.

  There is no doubt that debit and credit card payments are more convenient and safer than cash, check or electronic funds transfer payments, but customers can carry many different credit and debit cards at the same time. Is not uncommon and becomes inconvenient as the number of such cards increases.

  Electronic wallets are becoming increasingly popular as a means of solving financial transactions. Such an electronic wallet is primarily useful for making low value payments (ie, micro payments). The disadvantage of electronic wallets is that they are not widely accepted by merchants.

  Applicants have found that there is a need for a process for resolving financial transactions that is simpler and more efficient than that described above.

  An exemplary embodiment is described here. In one aspect, an exemplary embodiment provides (i) a first quick response (QR) code that encodes a first merchant identification code and a first promotional identifier using a smartphone code scanner. Scanning; (ii) decoding the first QR code® on the smartphone to recover the first merchant identification code and the first promotional identifier; (iii) recovered from the first QR code Transmitting a first merchant identification code and a first promotion identifier from the smartphone to the application server; (iv) receiving a first promotional gift certificate associated with the first promotion identifier from the application server on the smartphone; and (V) Record the first promotional gift certificate in the smartphone data storage device. Take the form of a method that includes

  In another aspect, an exemplary embodiment includes: (i) a scanner configured to scan a first quick response (QR) encoding a first merchant identification code and a first promotional identifier; ii) a processor; and (iii) a computer readable data storage device including a user profile and computer readable program instructions for executing the program instructions to decode the first QR code and the first merchant identification. A data storage device adapted to recover the code and the first promotion identifier; and (iv) transmitting the first merchant identification code and the first promotion identifier recovered from the first QR code to the application server. A network interface configured with Take the form of a smart phone. The network interface is configured to receive a first promotional gift certificate associated with the first promotional identifier from the application server. The data storage device stores a first promotion identifier received at the network interface.

  In yet another aspect, an exemplary embodiment displays (i) a valid form including a first icon identifying a first type user identifier on a display device of a smartphone; (ii) from the valid form; Selecting a first icon identifying a first type of user identifier; (iii) receiving with a smartphone a first image for performing a first user verification; (iv) for performing a first user verification Transmitting a first image from the smartphone to the application server; and (v) receiving a first notification from the application server on the smartphone indicating that the first user verification was successful. Take.

  In yet another aspect, an exemplary embodiment includes: (i) a display device configured to display a valid form that includes a first icon that identifies a first type of user identifier; and (ii) the valid form. A user interface configured to select a first icon identifying a first type user identifier; and (iii) configured to record a first image for performing first user verification A computer readable data storage device; (iv) transmitting a first image for performing a first user verification to an application server and indicating that the first user verification was successful And a network interface configured to receive from the application server.

  In yet another aspect, an exemplary embodiment displays (i) a free form entry field for entering a mobile subscriber services integrated digital network number (MSISDN) on a smartphone display device; (ii) smart Using a phone, enter the MSISDN in the free form entry field; (iii) transmit the MSISDN from the smartphone to the application server; (iv) a short message service (including a personal identification number (PIN) provided by the application server) (SMS) message received at the smartphone; (v) the PIN is transmitted from the smartphone to the application server; and (vi) the application server indicates that the user account associated with the MSISDN has been successfully created. The first notification received at the smart phone from the application server; takes the form of a method that includes.

  In yet another aspect, an exemplary embodiment displays (i) a processor; (ii) a free form entry field for entering a mobile subscriber service integrated digital network number (MSISDN), and frees MSISDN. A user interface configured to fill in the form entry field; (iii) (a) sending the MSISDN entered using the user interface to the application server; and (b) a personal identification number provided by the application server Receiving a short message service (SMS) message containing (PIN), (c) transmitting the PIN to the application server, and (d) that the application server has successfully created a user account associated with the MSISDN. It takes the form of a smart phone having a; first notification and a network interface configured to receive from the application server Shimesuru.

  In yet another aspect, an exemplary embodiment provides for (i) entering a first remittance amount and a first payee identity that identifies the first payee for the first currency transfer. (Ii) use the remittance form to enter a first remittance amount and a first recipient identity; (iii) use the remittance form The first transfer amount entered and the first recipient identity are transmitted from the first smartphone to the application server; and (iv) the first currency transfer to the first recipient is successfully completed. A first notification indicating that is received at the first smartphone from the application server;

  In yet another aspect, an exemplary embodiment provides for (i) entering a first remittance amount and a first payee identity that identifies the first payee for the first currency transfer. A display device configured to display a remittance form; (ii) a user interface for inputting a first remittance amount and a first recipient identity using the remittance form; and (iii) Transmit the first remittance amount entered using the remittance form and the first payee identity to the application server and indicate that the first currency transfer to the first payee has been successfully completed And a network interface for receiving a first notification from the application server.

  In yet another aspect, an exemplary embodiment provides: (i) a first payee amount and a first payee identity that identifies a first payee for a first currency transfer at an application server. Receiving; (ii) using the application server to verify that the first recipient is registered to receive the first currency transfer in the recipient's wallet; (iii) using the application server Confirm that the sender's wallet has sufficient funds to perform the first currency transfer; (iv) use the application server to withdraw at least the first amount from the sender's wallet; and (V) using the application server to deposit the first remittance amount into the recipient's wallet;

  In yet another aspect, exemplary embodiments include: (i) a processor; (ii) a computer readable data storage device storing computer readable program instructions executable by the processor; and (iii) first And a network interface configured to receive a first payee identity identifying the first payee for the first currency transfer. Program instructions can be executed by the processor to confirm that the first payee is registered to receive the first currency transfer in the payee's wallet. Program instructions can also be executed by the processor to confirm that the sender's wallet has sufficient funds to perform the first currency transfer. Program instructions can also be executed by the processor to withdraw at least a first remittance amount from the sender's wallet. Program instructions can be executed by the processor to deposit the first transfer amount into the recipient's wallet.

These and other aspects and advantages will become apparent to those of ordinary skill in the art by reading the following detailed description, with reference where appropriate to the accompanying drawings. Furthermore, this summary and the embodiments described elsewhere are merely examples, and do not necessarily limit the scope of the invention.
Hereinafter, exemplary embodiments will be described in detail with reference to the accompanying drawings.

It is the schematic of a payment system. 1 is a block diagram of a user smartphone according to an exemplary embodiment. FIG. 2 is a block diagram of a merchant terminal according to an exemplary embodiment. FIG. 2 is a block diagram of an application server according to an exemplary embodiment. FIG. 2 is a flowchart of functions for registering a user according to the exemplary embodiment of the system of FIG. 2 shows a web page of a merchant portal website hosted on an application server in the system of FIG. FIG. 2 is a flow chart of functions for performing pre-financing of a user's wallet according to the exemplary embodiment of the system of FIG. 2 is a flowchart of functions for performing inter-user funds transfer according to the exemplary embodiment of the system of FIG. 2 is a flow chart of functions for implementing pre-funding of a virtual credit card in accordance with the exemplary embodiment of the system of FIG. 2 is a flowchart of a function for obtaining and redeeming promotional gift certificates according to the exemplary embodiment of the system of FIG. 2 is a flowchart of functions for verifying a user account according to the embodiment of the system of FIG. 4 is an example display of a verification form provided by a user application according to an example embodiment.

I. Introduction This section describes, among other things, an exemplary embodiment of a payment system. In this description, the terms “user” and “customer” can be used interchangeably based on context, similar to the terms “merchant” and “service provider”.

  In this description, the article “a” or “an” is used to introduce an element of the exemplary embodiment. The intent to use these articles is to have one or more elements. The intent of using the conjunction “or” in the present list of at least two terms is to indicate either a listed term or a combination of listed terms. Terms such as “first”, “second”, “third” are used to distinguish each element and are not used to indicate a particular order of the elements.

The following abbreviations or acronyms are used in this description.
CVC: Card Verification Code FIG .: FIG. FIGs .: FIG. I. e. IMEI: International Mobile Subscriber Identity Inc .: Incorporated Merchant App: Merchant Application Program MMS: Multimedia Message Service MSISDN: Mobile Subscriber Service Integrated Digital Network Number PIN: Personal Identification Number SMS: Short Message service User APP: User application program

II. Exemplary Architecture FIG. 1 is a schematic diagram of a payment system 100 for resolving financial transactions according to an exemplary embodiment described herein. The system 100 includes an application server 102 that maintains an individual account balance (wallet), a user smartphone device 106, and a merchant terminal 108. Account balances are maintained in two databases 104 and 110. Database 104 maintains account balances for individual users, while database 110 maintains account balances belonging to merchants.

  User smart phone device 106 takes the form of a conventional smart phone handset provided with a web browser and a wireless connection to the Internet. User smart phone 106 is referred to as “mobile wireless communication device”, “mobile smart phone handset” or more simply “mobile smart phone” or “smart phone”. As an example, the user smart phone device is a cellular phone. As another example, the user smartphone device is an iPhone or iPad such as iPhone 5 sold by Apple Inc. of Cupertino, California.

  The merchant terminal 108 takes the form of a conventional smart phone handset provided with a web browser and a wireless connection to the Internet. The merchant terminal 108 is referred to as a “merchant wireless communication device”, “merchant smart phone handset” or more simply “merchant smart phone”. As an example, the merchant wireless communication device is a cellular telephone.

  Application server 102, user smartphone 106 and merchant terminal 108 can communicate with each other using communication network 116. The communication network 116 includes a wide area network such as the Internet. The portion of communication network 116 includes a wireless network that performs communication using radio frequency (RF) signals based on an air interface protocol. For example, the air interface protocol includes an air interface protocol such as LTE, CDMA, WiMAX, IDEN, GSM®, GPRS, UTMS, EDGE, MMDS, WIFI, or BLUETOOH. Other portions of the communication network 116 include a wired network that performs communication based on a wired communication protocol. For example, the wired communication protocol includes an Ethernet protocol or some other wired communication protocol.

  Communication between the application server 102, the user smart phone device 106, and the merchant terminal 108 includes a server host program (not shown), a user application program (user app) installed and executed on the user smart phone 106, And a merchant application program installed and executed on the merchant terminal 108. In another aspect, communication between the application server 102 and the user smartphone 106 can be performed using the network interface 184 (shown in FIG. 4) and the network interface 152 (shown in FIG. 2).

  FIG. 2 is a block diagram illustrating an exemplary embodiment of user smartphone 106. As shown in FIG. 2, the user smart phone 106 includes (i) a processor 150, (ii) a network interface 152 for transmitting data to and receiving data from the communication network 116, and (iii) a user interface. 154, and (iv) data storage 158, all linked together via a system bus or other connection mechanism 160. Data storage device 158 includes computer readable program instructions (CRPI) 162, user app 164, and user profile 112. The CRPI 162 includes a user app 164. Data storage device 158 includes a non-transitory computer readable storage medium readable by processor 150. Each computer-readable storage medium described herein may be volatile and / or nonvolatile, such as an optical, magnetic, organic, or other memory, or disk storage device, fully or partially integrated with a processor. Includes sex memory component.

  Each processor described herein includes one or more general purpose processors (eg, an INTEL single core microprocessor or an INTEL multicore microprocessor), or one or more special purpose processors (eg, a digital signal processor). The processor 150 is configured to execute the CRPI 162. A part of the CRPI 162 is configured as an operating system of the smart phone 106. As an example, the operating system is one of the following operating systems: Palm OS, Blackberry, Windows Mobile®, Symbian, Android, and iPhone OS.

  Each network interface described herein may perform communication using one or more communication protocols. For devices configured to perform communications using a wireless network, such as the smartphone 106, the network interface 152 may be configured to use the network interface 116 through the use of an air interface protocol, such as one of the air interface protocols described above. It is possible to communicate via this. The transmission performed by the user app 164 can be performed using the network interface 152 and the communication network 116.

  The exemplary embodiment refers to entering data using the smart phone 106. In particular, the data is entered into a form displayed on the smartphone 106. In one aspect, data can be entered into the form via the user interface 154. In another aspect, data can be entered into the form by processor 150 executing CRPI 162 to prepopulate the data into the form. In that regard, CRPI 162 is configured to search for data into form fields such as MSISDN, IMEI or IMSI. This search is a search of the data storage device 158.

  Chapter XI of this document includes a normative section to further illustrate the normative embodiment. The smart phone 106 is configured as a smart phone as described in the normative section referring to the smart phone. In addition, the smart phone 106 is configured to perform the functions described in the normative section as being performed by a smart phone or a smart phone component. Data transmitted or received by the smart phone 106 is stored in the data storage device 158.

  FIG. 3 is a block diagram illustrating an exemplary embodiment of the merchant terminal 108. As shown in FIG. 3, the merchant terminal 108 includes (i) a processor 166, (ii) a network interface 168 for sending data to and receiving data from the communication network 116, and (iii) a user interface 170. And (iv) data storage 172, all linked together via a system bus or other connection mechanism 174. The data storage device 172 includes a computer readable program instruction (CRPI) 176 and a merchant app 178. The CRPI 176 includes a merchant app 178. Data storage device 172 includes a non-transitory computer readable storage medium readable by processor 166. The processor 166 is configured to execute the CRPI 176.

  The user downloads a copy of the user app from a download repository (eg, application server 102) and installs the user app on the user smartphone 106. The merchant downloads a copy of the merchant app from the download repository (eg, application server 102) and installs the merchant app on the merchant terminal 108. The transmission performed by the merchant app 178 can be performed using the network interface 168 and the communication network 116.

  Chapter XI of this document includes a normative section to further illustrate the normative embodiment. The merchant terminal 108 is configured as a merchant terminal as described in the normative section referring to the merchant terminal. Further, merchant terminal 108 is configured to perform the functions described in the normative section as being performed by a merchant terminal or a merchant terminal component. Data transmitted or received by merchant terminal 108 is stored in data storage 158.

  FIG. 4 is a block diagram illustrating an exemplary embodiment of application server 102. As shown in FIG. 4, the application server 102 includes: (i) a processor 182; (ii) a network interface 184 for sending data to and receiving data from the communication network 116; (iii) a user interface. 186, and (iv) data storage 188, all of which are linked together via a system bus or other connection mechanism 190. The data storage device 188 includes (i) a CRPI 192, (ii) a user app 194 for downloading to a user smartphone, (iii) a merchant app 196 for downloading to a merchant terminal, (iv) a user database 104, (v) a merchant's A merchant database 110 including a merchant identification code 140 for business and (vi) a merchant profile 142 is provided. The CRPI 192 includes a user app 194 and a merchant app 196. Data storage device 188 includes a non-transitory computer readable storage medium readable by processor 182. The processor 182 is configured to execute the CRPI 192.

  Chapter XI of this document includes a normative section to further illustrate the normative embodiment. The application server 102 is configured as the application server described in the normative section that refers to the application server. Further, the application server 102 is configured to perform the functions described in the normative section as being performed by the application server or application server component. Data transmitted or received by application server 102 is stored in data storage device 188.

III. User Registration Once the user app 106 is installed on the user smartphone 106, the user can initiate a registration process and create a user account on the application server 102. The user account includes a wallet and can make money transfers from or to it. FIG. 5 is a flowchart illustrating a set of functions 550 that can be performed by an exemplary embodiment. A set of functions 550 is performed to register a user account with the application server 102. A set of functions 550 is shown in blocks 500-524. The description of these blocks is as follows.

  In block 500, the user app displays a registration icon (not shown) on the user smartphone 106 that the user can operate to initiate the registration process. The registration icon includes the text “REGISTER” or some other text or symbol. At block 502, the user app determines that the user is a user's mobile subscriber services integrated digital network number ('MSISDN', or some other unique identifier of the user smartphone 106, eg, an international mobile device A free form entry field is displayed on the user smartphone 106 where prompted to enter an identity (IMEI) or a unique identifier, eg, an international mobile subscriber identity (IMSI). The user app sends the user's MSISDN (or other unique identifier) to the application server 102 (block 504), and the application server performs a lookup at block 506 to obtain the user's mobile phone number (or other Check whether the user account associated with the unique identifier already exists in the user database 104. If no such user account exists, the application server 102 responds to the user smartphone 106 with an SMS containing a one-time PIN code (block 508). In block 510, the user enters the PIN code into the corresponding field displayed by the user app. In block 512, the user smart phone 106 returns the PIN code entered by the user to the application server 102, and the application server verifies the returned PIN (block 514). If the PIN is successfully verified, the application server creates a user account in the user database 104 at block 516 and notifies the user app of the user smartphone 106 that the registration was successful. (Block 518). For illustration purposes, the PIN code need not be completely numeric, but may be entirely numeric. A PIN code that is not completely numeric may be an alphanumeric PIN code.

  At block 520, the user app 164 generates a user profile 112 on the user smartphone 106, and the user has the user's first name, user last name, date of birth, e-mail address, real address, account currency, and 1 The user is prompted to enter details of one or more payment instruments, eg, user attributes such as a credit card or debit card (block 522). In accordance with at least some exemplary embodiments, the user's smartphone passes the user profile 112 data to the application server 102 (block 524), and the application server newly generates these details in the user database 104. Stored in a user account. According to at least some exemplary embodiments, the user app 164 is configured to retrieve or receive at least one user attribute before prompting the user to enter the user attribute.

  Application server 102 hosts a merchant portal website 120 that allows merchants to register and create individual merchant accounts maintained in merchant database 110 by application server 102. The merchant portal website 120 is referred to as a “portal website”. Registering and creating a merchant account in the merchant database 110 by the merchant is performed online by the merchant portal website 120. A merchant can use a merchant computing device 130 that includes a website display for displaying a merchant portal website and an input device for selecting and entering data into the merchant portal website.

IV. Merchant Registration FIG. 6 shows an example web page 200 of a merchant portal website 120. The web page 200 displays a registration form 201 that can be completed by the merchant to register with the merchant portal website 120. Web page 200 is the home page of merchant portal website 120. As an example, registration form 201 includes the following fields: merchant company name 202, merchant company address 204, and merchant company description 206. As an example, the company description is an online store, utility, internet service provider, dentist, or other company description. Other examples of registration form 201 fields are also contemplated. Input of data to the registration form 201 is performed, for example, by typing data or selecting data from a list of predetermined data.

  When the registration form is completed, the application server 102 generates a merchant account in the merchant database 110. The application server 102 assigns a unique merchant identification code to each merchant account thus established, and the merchant identification code, along with the merchant registration form data, is newly generated in the merchant database 110. Is remembered. For simplicity, the merchant identification code is referred to as an “identification code”.

V. User Wallet Pre-Funding FIG. 7 is a flowchart illustrating a set of functions 750 that can be performed according to an exemplary embodiment. A set of functions 750 is performed to pre-finance the user wallet in the user database 104 of the application server 102. A set of functions 750 is shown in blocks 700-722. These blocks will be described below.

  At block 700, the user app 164 displays a deposit icon (not shown) on the user's smartphone 106 that the user can operate to fund the user's wallet. The deposit icon includes the text “DEPOSIT” or some other text or symbol. The scanner app requests from the application server 102 a list of approved payment instruments contained in the user profile of the user database 104 at block 702. If the list of approved payment instruments is empty, the user app sends the user at block 704 at least one credit card or debit card for pre-financing the user's wallet, for example. Encourage them to prepare and register a payment instrument.

  On the other hand, if the list of approved payment instruments is not empty, the user app displays a payment form on the user's smartphone 106 (block 706). The payment form should be pre-funded from the field in which the user can enter the amount (currency) to be deposited into the user's wallet (block 708) and the approved payment instrument drop-down list returned by the application server 102. A field in which a payment instrument can be selected (block 710).

  At block 712, when the user completes the payment form, the user's smartphone 106 sends the payment form data to the application server 102 for further processing. If the payment form data is incomplete or not valid, the application server 102 sends an error message to the user's smartphone 106 and the user app is invalid with one or more payment form entries. Is displayed to the user (block 714). If the payment form data is successfully validated, the application server 102 processes the pre-funding transaction (block 716), and if the pre-funding transaction is successfully completed, the application server 102 specifies the payment form data in the payment form. The amount is deposited into the user's wallet (block 718) and then the user's smartphone 106 is notified that the pre-funding transaction has been successfully completed (block 720). If the pre-funding transaction did not complete successfully, the application server notifies the user's smartphone of the defect and the user app notifies the user that the pre-financing transaction was unsuccessful. (Block 722).

VI. FIG. 8 is a flowchart illustrating a set of functions 850 that can be performed according to an exemplary embodiment. A set of functions 850 is performed to transfer funds from one user to another using the system 100. A set of functions 850 is shown in blocks 800-826. In this embodiment, the remittance user is referred to as the remittance for convenience, and the receiving user is referred to as the recipient. The sender uses the sender's smartphone. The recipient uses a recipient smartphone.

  At block 800, the user app of the sender smart phone 106 displays a remittance icon (not shown) that the sender can operate to initiate a funds transfer. The deposit icon includes the text “SEND MONEY” or some other text or symbol. The user app displays the remittance form on the sender smart phone 106 (block 802). The remittance form allows the sender to enter the remittance currency (block 804) (eg, British pound, Japanese yen, or US dollar), enter the remittance amount (block 806), and enter the recipient identity (block 808). ) Field. The sender can identify the recipient by the sender's MSISDN or by selecting the recipient from the sender's contact list on the sender's smartphone 106, in which case the user app Automatically populate the recipient identity field with the recipient mobile phone number from the contact list.

  At block 810, when the user completes the remittance form, the sender smart phone 106 sends the remittance form data to the application server 102 for further processing. The application server first performs a lookup of the user database 104 (using the recipient's mobile phone number as an index) to see if the recipient is registered with the application server 102 and has a user wallet. A determination is made (block 812). If the payee does not have a registered user wallet, the sender smart phone 106 is notified at block 814 that the transfer cannot be processed.

  If the payee has a registered user wallet, the application server 102 verifies that the sender's user wallet has sufficient funds for the transfer (block 816). If there is not enough funds in the sender's user wallet, the application server 102 notifies the sender smartphone at block 818 that the transfer cannot be completed. If there is sufficient funds in the sender's wallet, the application server 102 withdraws the amount from the sender's wallet (block 820) and deposits the same amount in the recipient's wallet (block 822). The application server 102 then notifies the sender smart phone 106 that the funds transfer transaction has been successfully completed (block 824). The application server also pushes a message, such as an SMS or email, to the recipient smartphone 106 that the funds have been received in the recipient's user wallet (block 826).

VII. Virtual Credit Card As part of a successful registration process in which application server 102 generates a new user account in user database 104, application server provides a virtual credit card for use by new users to make purchases from online merchants. It can also be issued. Virtual credit cards can be issued automatically or as a result of a user request, but all elements necessary to make a purchase from an online merchant, such as credit card number, card ownership Has name, card expiration date, CVC or PIN. A virtual credit card is a credit card that has a short validity period of, for example, one or three months, or is also a one-time use credit card. Virtual credit cards must be linked to the user wallet and pre-funded before use.

  FIG. 9 is a flowchart illustrating a set of functions 950 that can be performed according to an exemplary embodiment. A set of functions 950 is performed to pre-fund the virtual credit card in connection with the user wallet of the user database 104 at the application server 102. A set of functions is shown in blocks 900-922.

  In block 900, the user app displays on the user smartphone 106 a banking icon (not shown) that can be manipulated by the user to pre-fund the user's virtual credit card. The deposit icon includes the text “BANKING” or some other text or symbol. The user app displays the advance funding form on the user smartphone 106 (block 902). The pre-funding form includes fields where the user can specify the funding source for pre-financing the virtual credit card (block 904) and the pre-funding amount (block 906). For example, the user can select the user's wallet as the advance funding source. The pre-funding form can also select the type of currency. At block 908, when the user completes the pre-funding form, the user smartphone 106 sends the pre-funding data (entered via the pre-financing form) to the application server 102 for further processing.

  The application server 102 validates the advance funding data by determining whether the user's wallet has sufficient funds for the advance funding transaction (block 910). If there is not enough funds in the user's wallet, the application server 102 notifies the user smartphone 106 at block 912 that the advance funding transaction cannot be completed. Virtual credit cards are subject to certain advance funding restrictions. In this case, at block 914, the application server 102 determines whether the pre-funding transaction has exceeded the pre-funding limit of the virtual credit card, in which case the application server cannot execute the pre-financing transaction. This is notified to the user smartphone 106 (block 916).

  If there is sufficient funds in the user's wallet and the pre-financing limit is not exceeded, the application server 102 deducts the pre-funding amount from the user's wallet (block 918) and deposits the same amount into the virtual credit card. (Block 920). The application server 102 then notifies the user smartphone 106 that the advance funding transaction has been successfully completed (block 922).

VIII. Promotion Gift Certificates Merchants offer promotional gift certificates for different reasons, for example, as a means of generating a customer database for the purpose of managing customer relationships, or to complete a questionnaire or participate in a survey. A promotional gift certificate is, for example, a right that can be redeemed for a discount or free item or service, or a right to purchase an item or service from a merchant and receive another for free. The merchant promotion may be an online promotion or an offline promotion. Online promotions are published, for example, on merchant websites in online gift certificates or online catalogs. For example, the offline promotion is announced in newspapers, magazines, advertisements, flyers, information display boards, etc., or is performed at the point of sale in the store.

  The merchant generates a promotion specific quick response (QR) code. QR codes are well known and widely used. The promotion-specific QR code encodes information about a particular promotion, such as merchant identification code 140, a promotion identifier, and the address of a repository (not shown) where the user submits personal information, eg, an e-mail address. The merchant also generates a limited number of promotional gift certificates on the application server 102 by using the merchant portal website 120, which is linked to a promotional identifier encoded with a QR code. Each gift certificate is uniquely identified by a gift certificate identification code, for example, in an image file in JPEG or PNG format. Gift certificates are valid for a limited period after they are issued or have a fixed expiration date. In addition, gift certificates are coded for redemption towards the face only, online redemption only, or both. Gift certificates also include geographical constraints, for example, gift certificates can only be redeemed at merchant retail stores in specific towns or cities or specific countries.

  FIG. 10 is a flowchart illustrating a set of functions 1050 that can be performed according to an exemplary embodiment. A set of functions 1050 is performed to allow a user to obtain a promotional gift certificate from a merchant and redeem such a gift certificate. A set of functions 1050 is shown in blocks 1000-1028.

  In block 1000, the user app displays a capture icon (not shown) on the user smartphone 106 that can be operated by the user to capture the promotional gift certificate. The deposit icon includes the text “CAPTURE” or some other text or symbol. In block 1002, the user scans the QR code with the user smartphone 106, then decodes the scanned QR code (block 1004) and includes the information contained therein: merchant identification code 140, promotion identifier, and repository. -Recover the address. The user app allows the user to send the selected user personal information in the user profile 112, eg, the user's name, email address, MSISDN, and country of residence to the merchant's repository at block 1006. Encourage If the user authorizes the transmission, the user smartphone 106 transmits the selected personal information to the application server 102 in block 1008 along with the merchant identification code 140, the promotion identifier, and the repository address. In block 1010, the application server 102 sends the selected personal information to a repository (not shown). The application server then sends one of the generated gift certificates linked to the promotion identifier to the user smartphone 106 (block 1012). The user smartphone stores the received gift certificate image in the user profile 112 (block 1014).

  The user app of the user smartphone 106 displays a list of all unredeemed promotional gift certificates stored in the user profile 112, and the user can search the gift certificate list by date, merchant and expiration date. . To redeem a specific gift certificate, the user selects and opens the gift certificate (block 1016) and activates a redemption icon (not shown) that appears on the gift certificate image (block 1018). The redemption icon includes the text “REDEEM” or some other text or symbol. If the gift certificate is coded for online redemption, the user must enter a unique gift certificate identification code on the merchant website that applies a discount that applies to the amount payable for the user's purchase. Fill in the checkout page (block 1020). The amount to be paid is, of course, zero if the user's purchase is free for promotion. A merchant server (not shown) notifies the application server 102 that a specific gift certificate has been redeemed (block 1022). The application server 102 switches the status of the specific gift certificate to “redeemed” and relays the notification to the user smartphone 106 at block 1024, and the user app deletes the redeemed gift certificate from the user profile 112. (Block 1026).

  If the gift certificate is coded for redemption facing the face, the user displays the gift certificate to be redeemed to the merchant (block 1028). The merchant enters a unique gift certificate identification code into the merchant app of the merchant terminal 108. The merchant terminal 108 notifies the application server 102 that the specific gift certificate has been redeemed, and the application server 102 switches the state of the specific gift certificate to “redeemed” as described above, and then the redemption The completed gift certificate is deleted from the user profile 112 of the user smartphone 106.

IX. User Verification After generating the user profile 112 on the user smartphone 106, the user needs to verify the user account by providing proof of identity and proof of residence for reasons of ordinance or compliance. In addition, as a security measure, the user is also required to confirm one or more payment methods that the user has added to the user profile 112.

  FIG. 11 is a flowchart illustrating a set of functions 1150 that may be performed according to an exemplary embodiment. A set of functions 1150 is performed to allow a user to verify a user account at the application server 102. The verification is performed by the verification agent device, but includes reporting the verification success to the application server 102. A set of functions is shown in blocks 1100-1114.

  In block 1100, the user app displays a verification icon (not shown) on the user smartphone 106 that can be manipulated by the user to verify the user's personal details in the user profile 112. The verification icon includes the text “VERIFY” or some other text or symbol. The user app displays a verification form on the user smartphone 106 (block 1102). The verification form includes icons that can be operated by the user to take an image of the required document using the camera of the user smartphone 106. The required document is, for example, a user's driver's license in the user profile 112, an identity document or passport, a utility bill, a mobile phone bill, or a bank deposit balance certificate, or the front of a payment instrument such as a credit card. And the back surface. Each icon is displayed to indicate which document is associated with it.

  In block 1104, the user operates the icon and takes an image of the document using the user smartphone camera. When an image of a document is recorded, the corresponding icon becomes inactive (for example, grayed out). The user repeats the process until all requested images have been taken. The user smartphone 106 uploads the image to the application server 102 at block 1106 at full resolution. Alternatively, the image may be uploaded at a resolution lower than the maximum resolution. In block 1108, the user app displays a notification confirming receipt of the uploaded image and advises that the document is waiting for verification (block 1110). When the document is verified, the application server 102 notifies the user smartphone 106 (block 1112), and the user app displays a notification that the verification of the user account was successful at block 1114.

X. Modifications As will be apparent, numerous modifications and permutations are possible to the embodiments without departing from the scope of the present disclosure. Some of these variations and permutations are described below.

  1. The user app of the user smartphone 106 monitors the expiration date of the promotional gift certificate stored in the user profile 112 and notifies the user, for example, by e-mail message, when the gift certificate is approaching the expiration date. . Other messages or warnings may be given to notify the user that the expiration date is approaching.

  2. The promotional gift certificate stored in the user profile 112 also includes the GPS coordinates of the merchant's store that exchanges the gift certificate. If the user smart phone 106 has a GPS receiver, the user app of the user smart phone 106 alerts the user to redeem a gift certificate when the user is within a predetermined distance from the merchant's store. Composed.

  3. The merchant can configure a promotional gift certificate generated on the merchant portal website 120 so that the user can share the gift certificate with other users of the system 100 only once or up to a predetermined number of times.

  In order to share a specific gift certificate, the user selects and opens the gift certificate and operates a SHARE icon (not shown) that appears in the gift certificate image. The user app then displays a remittance form on the user smartphone 106 so that the user can specify the intended recipient's identity. The payee is identified by the payee's MSISDN or by selecting the payee from the user's contact list on the user smartphone 106, where the user app is the payee identity field of the remittance form. In addition, the recipient's mobile phone number can be automatically populated from the contact list.

  When the user completes the remittance form, the user smartphone 106 transmits the remittance form to the application server 102 for further processing. The application server verifies the remittance form data by looking up the user database 104 and determines whether the recipient is registered with the application server 102. If the recipient is not registered, the application server notifies the user smart phone 106 that the sharing of the gift certificate cannot be completed. If the recipient is registered, the application server 102 sends another generated gift certificate linked to the same promotional gift certificate to the recipient's smartphone, which is an unrewarded gift certificate. Is remembered there. The original gift certificate of the user smartphone is unchanged.

  In another embodiment, the user smartphone 106 attaches the promotional gift certificate to the MMS message and the network interface 152 sends the MMS message over the communication network 116 to share the promotional gift certificate. .

XI. Additional Exemplary Embodiments The following sections are provided as further explanations of the invention disclosed herein.

Section 1-Scan a first quick response (QR) code encoding a first merchant identification code and a first promotional identifier using a smart phone code scanner;
Decoding the first QR code in the smart phone to recover the first merchant identification code and the first promotion identifier;
Transmitting the first merchant identification code and the first promotional identifier recovered from the first QR code from the smartphone to the application server;
Receiving a first promotional gift certificate associated with the first promotional identifier from the application server at the smartphone; and storing the first promotional gift certificate in a data storage device of the smartphone;
A method involving that.

Section 2-Receiving the first promotional gift certificate includes receiving a first gift certificate image, and storing the first promotional gift certificate refers to the first gift certificate image The method of clause 1, comprising storing in a storage device.

Section 3—Displays a list of unrewarded promotional gift certificates stored in the data storage device on the display device of the smartphone, the list of unrewarded promotional gift certificates identifies the first promotional gift certificate,
Using the user interface of the smart phone, selecting the first promotional gift certificate from the list of unrewarded promotional gift certificates, and displaying the first promotional gift certificate on the display device;
The method according to any of paragraphs 1 or 2, further comprising:

Section 4—Displays a redemption icon on the smartphone display device that can be selected to initiate redemption of the first promotional gift certificate,
Using the smartphone user interface, select the redemption icon to start redeeming the first promotional gift certificate,
The method according to any of paragraphs 1 to 3, further comprising:

Section 5- Receive a first notification on the smartphone from the application server indicating that the first promotional gift certificate has been redeemed, and delete the first promotional gift certificate from the list of unredeemed gift certificates;
The method according to any of paragraphs 1 to 4, further comprising:

  Clause 6-The method of any of clauses 1-5, further comprising adding the first promotional gift certificate to the list of redeemed promotional gift certificates after receiving the first notification.

  Clause 7-The method of clause 5, wherein the redemption of the first promotional gift certificate is performed in part by presenting the first promotional gift certificate to a merchant associated with the first merchant identification code.

Section 8-Redemption of the first promotional gift certificate is done as an online gift certificate redemption, and the online gift certificate redemption includes transmitting a code associated with the first promotional gift certificate from the smartphone to the merchant server. 6. The method of clause 5.

Clause 9—Display a selectable scan icon on the display device to initiate a code scanner to scan the first QR code, and use the smartphone user interface to select the scan icon to select the first 9. A method according to any of clauses 1 to 8, wherein a code scanner for scanning a QR code is started.

Clause 10—At least one of the first merchant identification code and the first promotional identifier encoded in the first QR code is encrypted,
The method further comprises:
Clause 1 to clause 9, further comprising decrypting at least one of the first merchant identification code and the first promotional identifier encoded in the first QR code at the smartphone. the method of.

Clause 11—Displays a prompt on the smartphone display device to approve transmission of information from the user profile stored on the smartphone to the application server, and uses the smartphone user interface to Enter approval for transmission of information to the server,
The method according to any of paragraphs 1 to 10, further comprising:

  Clause 12-The method of clause 11, wherein displaying the prompt and entering the approval is after decoding the first QR code and before transmitting the information to the application server.

Clause 13—Receiving a gift certificate application executable by the smart phone processor from the application server with the smartphone, and executing the gift certificate application to transmit information from the user profile to the application server, and the first QR code Install the gift certificate application on your smartphone before scanning,
12. The method of clause 11, further comprising displaying the prompt and entering the approval while installing the gift certificate application on the smartphone.

Clause 14-Scan a second QR code encoding a second merchant identification code and a second promotional identifier using a smart phone code scanner;
Decoding the second QR code at the smart phone to recover the second merchant identification code and the second promotional identifier;
In response to decoding the second QR code, the display device of the smartphone displays a prompt to approve transmission of information from the user profile stored in the smartphone to the application server; and the smartphone Using the user interface and responding to prompts and entering disapproval for the transmission of information from the user profile to the application server,
14. The method according to any of clauses 1 to 13, further comprising:

  Clause 15-Method according to any of Clauses 1 to 14, wherein scanning the first QR code comprises scanning a QR code printed on the document.

  Clause 16—A method according to any of Clauses 1 to 15, wherein scanning the first QR code includes scanning a QR code displayed on an electronic display device external to the smartphone.

Clause 17—The first QR code further encodes a repository address,
The repository address identifies the address where the application server can transfer information from the user profile stored on the smartphone,
Decoding the first QR code includes recovering a repository address;
The method according to any of clauses 1 to 16, wherein the method further comprises transmitting the recovered repository address from the smartphone to the application server.

  Clause 18—A method according to any of clauses 11, 14, and 17, wherein the information from the user profile is stored in the user profile prior to decoding the first QR code.

  Clause 19—Information from the user profile is stored in the user profile after decoding the first QR code and in response to entering or selecting information via the smartphone user interface, The method according to any one of 14 and 17.

  Clause 20—Information from the user profile is a portion of the information stored in the user profile prior to decoding the first QR code, and after decoding the first QR code and via the smartphone user interface. 18. A method according to any of clauses 11, 14, and 17, comprising in response to entering or selecting a portion of information stored in a user profile.

  Clause 21-A method according to any of Clauses 1 to 20, wherein the first promotional gift certificate is redeemable for a discount when purchasing an item from a merchant.

Clause 22—Processors;
A computer readable data storage device including program instructions executable by a processor to perform the method of any of clauses 1 to 21;
Smartphone equipped with.

  Clause 23-A computer readable data storage device comprising computer readable program instructions executable by a processor to perform the method of any of clauses 1 to 21.

  Clause 24-The computer readable data storage device of clause 23, wherein the computer readable data storage device is a non-transitory computer readable data storage device.

  Clause 25—A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of clauses 1 to 21.

  Clause 26-A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of clauses 1 to 21.

  Clause 27—In a computer software product for transferring money, including instructions that, when executed by a processor of the data processing system, cause the data processing system to perform the functions described in any of clauses 1 to 21 Software product.

Clause 28-a scanner configured to scan a first quick response (QR) encoding a first merchant identification code and a first promotional identifier;
With a processor;
A computer readable data storage device including a user profile and computer readable program instructions for executing the program instructions to decode a first QR code, a first merchant identification code and a first promotion identifier A data storage device adapted to recover data;
A network interface configured to transmit the first merchant identification code and the first promotional identifier recovered from the first QR code to the application server;
And the network interface is configured to receive a first promotional gift certificate associated with the first promotional identifier from the application server;
The smartphone adapted to store the first promotional identifier received at the network interface.

Clause 29-The smartphone of clause 28, wherein the first promotional gift certificate includes a first gift certificate image, and the data storage device stores the first gift certificate image.

Clause 30-a display device for displaying a list of unrewarded promotional gift certificates stored in the data storage device, wherein the list of unrewarded promotional gift certificates identifies a first promotional gift certificate Equipment,
A user interface configured to select a first promotional gift certificate from a list of unrewarded promotional gift certificates;
The smart phone according to clause 28 or 29, further comprising: the display device displaying the first promotional gift certificate.

Section 31-A display device displaying a redemption icon that can be selected to initiate redemption of the first promotional gift certificate;
A user interface configured to select the redemption icon to initiate redemption of the first promotional gift certificate;
The smart phone according to any one of clauses 28-30, further comprising:

Clause 32--The network interface is configured to receive a first notification from the application server indicating that the first promotional gift certificate has been redeemed, and the program instructions include a first from a list of unredeemed gift certificates. 32. The smart phone of clause 31, which is executable by the processor to delete the promotional gift certificate.

  Clause 33-The smartphone of clause 32, wherein the program instructions are executable by the processor to add the first promotional gift certificate to the list of redeemed promotional gift certificates.

  Clause 34-The smartphone of clause 32, wherein the redemption of the first promotional gift certificate is performed in part by showing the first promotional gift certificate to a merchant associated with the first merchant identification code.

Section 35-Redemption of the first promotional gift certificate is done as an online gift certificate redemption, and in order to redeem the online gift certificate, the network interface sends a code associated with the first promotional gift certificate to the merchant server. The smart phone according to clause 32, which transmits.

Clause 36—a display device configured to display a scan icon selectable to initiate a code scanner that scans a first QR code;
A user interface configured to select the scan icon to initiate a code scanner that scans the first QR code;
36. The smartphone according to any one of clauses 28 to 35, further comprising:

Clause 37—At least one of the first merchant identification code and the first promotional identifier encoded in the first QR code is encrypted,
Program instructions can be executed by the processor to decrypt the at least one of a first merchant identification code and a first promotion identifier encoded and encrypted in a first QR code, from clause 28 36. The smart phone according to any one of 36.

Clause 38-a display device configured to display a prompt to approve transmission of information from a user profile stored in the data storage device to the application server;
A user interface configured to enter authorization for transmission of the information from the user profile to the application server;
The smart phone according to any one of clauses 28 to 37, further comprising:

  Clause 39-The smartphone of clause 38, wherein displaying the prompt and entering the approval is after decoding the first QR code and before transmitting the information to the application server.

Clause 40—The network interface receives a gift certificate application executable by the processor from the application server,
By executing the gift certificate application, information is transmitted from the user profile to the application server,
The gift certificate application is installed on the smartphone before the scanner scans the first QR code, and the display device displays a prompt and is approved via the user interface while installing the gift certificate application on the smartphone. 40. The smart phone of clause 38, input.

Clause 41—Display Device;
A user interface;
The scanner is configured to scan a second QR code encoding the second merchant identification code and the second promotional identifier;
The processor executes the program instructions, decodes the second QR code, recovers the second merchant identification code and the second promotion identifier,
In response to decoding the second QR code, the display device displays a prompt to approve transmission of information from the user profile stored in the data storage device to the application server, and the user interface includes: 41. A smartphone according to any of paragraphs 28 to 40, configured to enter a disapproval of transmission of information from a user profile to an application server in response to a prompt.

  Clause 42-The smartphone of any of clauses 28 through 41, wherein the first QR code includes a QR code printed on a document.

  43. The smartphone according to any of clauses 28 to 42, wherein the first QR code includes a QR code displayed on an electronic display device external to the smartphone.

Clause 44—The first QR code further encodes a repository address;
The repository address identifies the address where the application server can transfer information from the user profile stored in the data storage device,
Decoding the first QR code includes recovering its repository address;
44. A smartphone according to any of clauses 28 to 43, wherein the network interface transmits its recovered repository address to the application server.

  Clause 45-The smartphone according to any of clauses 38, 41 and 44, wherein the information from the user profile is stored in the user profile prior to decoding the first QR code.

  Clause 46—Information from the user profile is stored in the user profile after decoding the first QR code and in response to entering or selecting the information via the smartphone user interface. , 41 and 44.

  Clause 47—Information from the user profile is a portion of the information stored in the user profile prior to decoding the first QR code, and after decoding the first QR code and via the smartphone user interface. 45. A smartphone according to any of clauses 38, 41 and 44, comprising a portion of information stored in a user profile in response to entering or selecting.

  Clause 48-The smartphone of any of clauses 28 through 47, wherein the first promotional gift certificate is redeemable for a discount when purchasing an item from a merchant.

Section 49—Displaying a confirmation form on a smartphone display device including a first icon identifying a first type user identifier;
From the confirmation form, select a first icon that identifies a first type user identifier;
Receiving with a smartphone a first image for performing a first user verification;
Transmitting a first image for performing a first user verification from the smartphone to the application server; and receiving a first notification from the application server on the smartphone indicating that the first user verification was successful;
A method involving that.

  Clause 50-further comprising disabling the first icon while the confirmation form is displayed, wherein the first icon is responsive to recording the first image to perform the first user verification. 50. The method of clause 49, wherein the method is disabled.

Clause 51—The confirmation form further includes at least one additional icon identifying at least one additional type of user identifier, each additional icon identifying each additional type of user identifier. In addition,
Select a second icon from the confirmation form that identifies the second type user identifier,
Recording a second image for performing the first user confirmation on the smartphone, and transmitting the second image for performing the first user confirmation from the smartphone to the application server;
51. The method of clause 49 or 50, further comprising:

  Clause 52-further comprising deactivating the second icon while the confirmation form is displayed, the second icon responsive to recording the second image to perform the first user verification 52. The method of clause 51, wherein the method is disabled.

Section 53—Select a third icon identifying the third type user identifier from the confirmation form;
Recording a third image for performing the first user confirmation on the smartphone and transmitting the third image for performing the first user confirmation from the smartphone to the application server;
52. The method of clause 51, further comprising:

  Section 54-Deactivate the third icon while the confirmation form is displayed, and the third icon is deactivated in response to recording the third image to perform the first user verification 54. The method of clause 53.

  Section 55-First type user identifier is credit card front, credit card back, debit card front, debit card back, driver's license front, driver's license back, passport, bill, mobile phone 55. A method according to any of clauses 49 to 54, selected from the group consisting of: a bill of business, a utility bill, a business statement, a credit card statement, and a bank deposit balance certificate.

  Clause 56-The method of any of clauses 49 to 55, further comprising generating a user profile on the smartphone.

Clause 57-The method of clause 56, wherein the user profile includes payment instrument data and the first user verification is performed to verify the payment instrument data.

Clause 58—Displays a selectable icon on the display device to initiate user verification and selects the selectable icon associated with user verification using a smartphone.
58. The method of any of clauses 49-57, further comprising: selecting a selectable icon associated with user verification triggers display of a confirmation form.

  Clause 59-The method of clause 58, wherein displaying a selectable icon for initiating user verification includes displaying a verification icon.

  Clause 60-Any of clauses 49-59, further comprising receiving at the smartphone a second notification indicating that the application server has successfully uploaded an image transmitted to the application server for first user verification. The method of crab.

  Clause 61-The clause 60 further comprising receiving at the smartphone a third notification indicating that the application server is waiting to validate an image transmitted to the application server for first user validation. the method of.

  Clause 62-The method of clause 61 further comprising receiving at the smartphone a fourth notification indicating that the first user verification has been successfully completed.

  Clause 63-The method of clause 62, further comprising displaying the fourth notification on a display device.

Clause 64-Processor
64. A computer readable data storage device including program instructions executable by a processor to perform the method of any of clauses 49 to 63;
Smartphone equipped with.

  64. A computer readable data storage device comprising computer readable program instructions executable by a processor to perform the method of any of clauses 65-49.

  Clause 66-The computer readable data storage device of clause 65, wherein the computer readable data storage device is a non-transitory computer readable data storage device.

  Clause 67—A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of clauses 49 to 63.

  68. A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of clauses 49-63.

  Clause 69—Instructions for causing a data processing system to perform the functions described in any of clauses 49 to 63 when executed by a processor of the data processing system in a computer software product for performing user verification. Including software products.

Clause 70-a display device configured to display a confirmation form including a first icon identifying a first type user identifier;
A user interface configured to select a first icon identifying the first type of user identifier from the confirmation form;
A computer readable data storage device configured to record a first image for performing a first user verification;
A network interface configured to transmit a first image for performing a first user verification to the application server and receive a first notification from the application server indicating that the first user verification was successful. When;
Smartphone equipped with.

Clause 71-further comprising a processor,
A computer readable data storage device stores computer readable program instructions executable by the processor to deactivate the first icon while the confirmation form is displayed, and the first icon 71. The smartphone of clause 70, wherein the smartphone is deactivated in response to recording a first image for performing one user verification.

Section 72-The confirmation form further includes at least one additional icon identifying at least one additional type of user identifier;
Each additional icon identifies each additional type of user identifier,
The user interface is configured to select from a confirmation form a second icon that identifies a second type of user identifier;
The computer readable data storage device records a second image for performing the first user verification, and the network interface transmits the second image for performing the first user verification to the application server. 72. A smartphone according to clause 70 or 71, configured to transmit.

Clause 73-further comprising a processor,
The computer readable data storage stores computer readable program instructions executable by the processor to deactivate the second icon while the confirmation form is displayed, and the second icon 75. The smartphone of clause 72, wherein the smartphone is deactivated in response to recording a second image for performing user verification of.

Section 74-The user interface is configured to select a third icon from the confirmation form that identifies a third type of user identifier;
The processor executes a program instruction for recording a third image for performing the first user verification in the data storage device, and the network interface executes the third image for performing the first user verification. 72. The smartphone according to clause 72, configured to transmit to an application server.

Clause 75—The program instructions can be executed by the processor to deactivate the third icon while the confirmation form is displayed, and the third icon is used to perform the first user verification. 75. The smartphone of clause 74, wherein the smartphone is disabled in response to recording 3 images.

  Section 76—First type of user identifier is credit card front, credit card back, debit card front, debit card back, driver's license front, driver's license back, passport, bill, mobile phone 76. A smartphone according to any of clauses 70 to 75, selected from the group consisting of: a bill of money, a utility bill, a transaction statement, a credit card statement, and a bank deposit certificate.

Clause 77-Processor;
A computer readable data storage device storing computer readable program instructions executable by a processor to generate a user profile in the data storage device;
The smart phone according to any one of clauses 70 to 76, comprising:

Clause 78-The smartphone of clause 77, wherein the user profile includes payment instrument data and the first user verification is performed to verify the payment instrument data.

Clause 79—The display device is configured to display a selectable icon to initiate user verification;
The user interface is configured to select the selectable icon associated with user verification, and selecting the selectable icon associated with user verification triggers the display of a confirmation form. 78. A smartphone according to any one of items 78 to 78.

  Clause 80-The smartphone of clause 79, wherein the displayed icons that can be selected to initiate user verification include a verification icon.

  Clause 81—The network interface is configured to receive a second notification indicating that the application server has successfully uploaded an image transmitted to the application server for first user verification. Smartphone.

  Clause 82—The network interface is configured to receive a third notification indicating that the application server is waiting to validate an image transmitted to the application server for the first user validation. The smartphone described in 1.

  Clause 83-The smartphone of clause 82, wherein the network interface is configured to receive a fourth notification indicating that the first user verification has been successfully completed.

  Clause 84-The smartphone of clause 83, wherein the display device is configured to display the fourth notification.

Section 85—Displaying a free form entry field for entering a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) on a smartphone display device;
Use your smartphone to enter the MSISDN into the free form entry field;
Transmit MSISDN from the smartphone to the application server;
Receiving at the smartphone a short message service (SMS) message including a personal identification number (PIN) given by the application server;
Transmitting the PIN from the smartphone to the application server; and receiving at the smartphone from the application server a first notification indicating that the application server has successfully created a user account associated with the MSISDN;
A method involving that.

Section 86—Generating a User Profile on a Smartphone,
Displaying at least one additional field for entering user profile information on a display device of the smartphone;
Using a smartphone to enter user profile information into at least one additional field, and storing user profile information entered into the user profile using a smartphone;
86. The method of clause 85, further comprising:

  Clause 87—User profile information includes at least one of the user's first name, the user's last name, the user's date of birth, an email address, a real address, account currency, and payment instrument information. The method described.

  Clause 88-The method of clause 86, further comprising transmitting user profile information entered using the smartphone to store on the application server from the smartphone to the application server.

Section 89—Displaying a selectable icon on the smartphone display device to initiate the process of registering the smartphone with the application server;
Select the icon using the smartphone and start the process of registering the smartphone with the application server,
90. The method of any of clauses 85 to 88, further comprising:

  90. The method of clause 89, wherein displaying the icon includes displaying a registration icon.

Clause 91—After receiving the first notification, display another instance of the free form entry field for entering the MSISDN on the smartphone display device;
Use your smartphone to enter the MSISDN into other instances of the free form entry field,
A MSISDN entered in another instance of the free form entry field is transmitted from the smartphone to the application server, and a second notification is sent from the application server to the smartphone indicating that an account associated with the MSISDN already exists in the application server. Receive in the
91. The method of any of clauses 85 to 90, further comprising:

  Clause 92-The method of clause 91, further comprising displaying the second notification on a display device.

Section 93-After receiving an SMS message containing a PIN and before sending the PIN from the smartphone to the application server, the wrong PIN is transmitted to the application server, and the wrong PIN is not verified by the application server Receive a third notification from the application server via smartphone
93. A method according to any of clauses 85 to 92, further comprising:

  Clause 94-The method of clause 93, further comprising displaying the third notification on a display device.

  Clause 95-The method of any of clauses 85 to 94, further comprising displaying the first notification on a display device.

Clause 96-Processor;
96. A computer readable data storage device including program instructions executable by a processor to perform the method of any of clauses 85-95;
Smartphone equipped with.

  108. A computer readable data storage device comprising computer readable program instructions executable by a processor to perform the method of any of clauses 97-95.

  Clause 98-The computer readable data storage device of clause 97, wherein the computer readable data storage device is a non-transitory computer readable data storage device.

  Clause 99—A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of clauses 85 to 95.

  Clause 100-A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of clauses 85-95.

  Clause 101—Instructions for causing a data processing system to perform the functions described in any of clauses 85 to 95 when executed by a processor of the data processing system in a computer software product for performing user verification. Including software products.

Clause 102-with a processor;
A user interface configured to display a free form entry field for entering a mobile subscriber services integrated digital network number (MSISDN) and to enter the MSISDN in the free form entry field;
(I) send the MSISDN entered using the user interface to the application server, (ii) receive a short message service (SMS) message including a personal identification number (PIN) given by the application server; (iii) A network interface configured to transmit the PIN to the application server, and (iv) receive a first notification from the application server indicating that the application server has successfully generated a user account associated with the MSISDN;
Smartphone equipped with.

Clause 103-further comprising a data storage device for storing a user profile generated by a processor executing a user application;
The data storage device stores user applications,
The user interface is configured to display at least one additional field for entering user profile information;
The user interface is configured to enter user profile information into at least one additional field, and the data storage device stores user profile information entered into the user profile using the user interface, section 102. The smartphone described in 1.

  Clause 104-The smartphone of clause 103, wherein the data storage device comprises a non-transitory computer readable data storage device.

  Clause 105-The smartphone of clause 103, wherein the network interface is configured to transmit user profile information to the application server for storage on the application server.

  Clause 106—User profile information includes at least one of the user's first name, the user's last name, the user's date of birth, an email address, a real address, account currency, and payment instrument information. The listed smartphone.

  Clause 107-further comprising computer readable program instructions executable by the processor to cause the user interface to display at least one of a registration icon, deposit icon, remittance icon, banking icon, capture icon and verification icon, 108. Smartphone according to any one of clauses 102 to 106.

Clause 108—After receiving the first notification, the user interface displays another instance of the free form entry field for entering the MSISDN and enters the MSISDN into that other instance of the free form entry field. Composed of
The network interface is configured to transmit to the application server the MSISDN entered into that other instance of the free form entry field, and a second notification indicating that an account associated with the MSISDN already exists on the application server 109. A smartphone according to any of clauses 102 to 108, configured to receive from an application server.

  Clause 109-The smartphone of clause 108, wherein the user interface displays a second notification.

Clause 110—After receiving an SMS message containing a PIN and before sending the PIN to the application server, transmit the wrong PIN to the application server, and the wrong PIN is not validated by the application server 110. A smartphone according to any one of clauses 102 to 109, configured to receive a third notification from the application server indicating that

  Clause 111-The smartphone of clause 110, wherein the user interface displays a third notification.

  112. The smart phone according to any of clauses 102-111, wherein the user interface displays a first notification.

Clause 113—Displays a remittance form on a display device of a first smartphone for entering a first remittance amount and a first payee identity identifying a first payee for a first currency transfer. And
Use the transfer form to enter the first transfer amount and the first recipient identity;
Transmitting the first transfer amount and the first recipient identity entered using the transfer form from the first smartphone to the application server; and the first currency transfer to the first recipient is successful. Receiving at the first smartphone from the application server a first notification indicating completion;
A method involving that.

  Section 114-The section 114, further comprising selecting a remittance currency for a first currency transfer using a remittance form, wherein the first currency transfer is for a remittance amount of the remittance currency. the method of.

Clause 115-the first smartphone includes a currency identifier that identifies a default currency for currency transfers initiated using the first smartphone;
The method further includes transferring a default currency identifier from the first smartphone to the application server;
115. A method according to clause 113 or 114, wherein the first currency transfer is for a default currency transfer amount.

Clause 116—Displays a selectable icon on the display device of the first smartphone for causing the display device to display the remittance form;
Select that selectable icon,
116. A method according to any of clauses 113 to 115, wherein displaying the remittance form is performed in response to selecting the selectable icon.

Clause 117—A second smart phone display device for a second instance of a remittance form for entering a second remittance amount and a second payee identity identifying a second payee for a second currency transfer Displayed on the
Enter the second remittance amount and second recipient identity using the second instance of the remittance form,
Transfer the second remittance amount and second recipient identity entered using the second instance of the remittance form from the first smartphone to the application server, and the second currency transfer to the second recipient is successfully completed Receiving a second notification from the application server on the first smartphone indicating that it has not
119. The method of any one of clauses 113 to 116, further comprising:

  118. The method of clause 117, wherein the second recipient identity includes data that uniquely identifies the second smartphone.

  Clause 119-The method of clause 118, wherein the data uniquely identifying the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).

  120. The method of clause 117, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI).

Clause 121—Displaying a third instance of a remittance form for entering a third remittance amount and a third payee identity identifying a third payee for a third currency transfer on the first smartphone Display on the device,
Enter the third remittance amount and third payee identity using the third instance of the remittance form,
Transfer the third remittance amount and third payee identity entered using the third instance of the remittance form from the first smartphone to the application server, and register the third payee to receive the third currency remittance Receive a third notification from the application server on the first smartphone indicating that it has not been
121. The method according to any of clauses 113 to 120, further comprising:

  122. The method of clause 121, wherein the third recipient identity includes data that uniquely identifies the third smartphone.

  123. The method of clause 122, wherein the data uniquely identifying the third smart phone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) or an International Mobile Equipment Identity (IMEI).

  Clause 124-The method of clause 121, wherein the third recipient identity comprises an International Mobile Subscriber Identity (IMSI).

  Clause 125-The method of any of clauses 113 to 124, wherein the first recipient identity includes data that uniquely identifies the second smartphone.

  Clause 126-The method of clause 119, wherein the data uniquely identifying the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) or an International Mobile Equipment Identity (IMEI).

  127. A method according to any of clauses 113 to 126, wherein the first recipient identity comprises an international mobile subscriber identity (IMSI).

Clause 128—Entering a first recipient identity includes entering an identity shortcut associated with the first recipient identity;
The method further includes retrieving the first recipient identity from the smart phone data store in response to entering an identity shortcut;
128. The method of any of clauses 113 to 127, wherein transferring the first recipient identity includes transferring the first recipient identity retrieved from the data storage device.

Clause 129-Processor;
A computer readable data storage device including program instructions executable by a processor to perform the method of any of clauses 113 to 128;
Smartphone equipped with.

  130. A computer readable data storage device comprising computer readable program instructions executable by a processor to perform the method of any of clauses 113-128.

  Clause 131—The computer readable data storage device of clause 130, wherein the computer readable data storage device is a non-transitory computer readable data storage device.

  Clause 132—A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of clauses 113 to 128.

  133. A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of clauses 113-128.

  Clause 134—In a computer software product for transferring money, instructions executed by a data processing system processor to cause the data processing system to perform the functions described in any of clauses 113 to 128. Including software products.

Clause 135—a display device configured to display a remittance form for entering a first remittance amount and a first payee identity identifying a first payee for a first currency transfer When;
A user interface for entering a first remittance amount and a first recipient identity using the remittance form;
Transmit the first remittance amount entered using the remittance form and the first payee identity to the application server and indicate that the first currency transfer to the first payee has been successfully completed A network interface for receiving a first notification from the application server;
Smartphone equipped with.

Section 136-The user interface is configured to select a remittance currency for a first currency transfer using a remittance form;
140. The smartphone of clause 135, wherein the first currency transfer is for a transfer currency amount.

Clause 137-further comprising a data storage device storing a currency identifier identifying a default currency for currency transfer initiated using the smartphone;
The network interface is configured to forward the default currency identifier to the application server,
137. The smartphone of clause 135 or 136, wherein the first currency transfer is for the default currency transfer amount.

Clause 138—The display device is configured to display a selectable icon for causing the display device to display a remittance form;
The user interface is configured to select that selectable icon,
138. A smartphone according to any of clauses 135 to 137, wherein the display device is configured to display a remittance form in response to selecting the selectable icon.

Clause 139—The display device displays a second instance of the remittance form for entering a second remittance amount and a second payee identity identifying the second payee for the second currency transfer. Composed of
The user interface is configured to enter a second remittance amount and a second payee identity using a second instance of the remittance form;
The network interface transmits the second remittance amount entered using the second instance of the remittance form and the second payee identity to the application server, and the second currency transfer to the second payee is successfully completed. 139. Smartphone according to any of clauses 135 to 138, configured to receive a second notification from the application server indicating that it did not.

  140. The smartphone of clause 139, wherein the second recipient identity includes data that uniquely identifies the second smartphone.

  141. The smartphone of clause 140, wherein the data uniquely identifying the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).

  142. The smartphone of clause 139, wherein the second recipient identity includes an international mobile subscriber identity (IMSI).

143-The display device displays a third instance of the remittance form for entering a third remittance amount and a third payee identity identifying the third payee for the third currency transfer. Composed of
The user interface is configured to enter a third remittance amount and a third payee identity using a third instance of the remittance form;
The network interface transmits the third remittance amount entered using the third instance of the remittance form and the third payee identity to the application server, and the third payee registers to receive the third currency remittance. 143. Smartphone according to any of clauses 135-142, configured to receive a third notification from the application server indicating that it has not been.

  144. The smartphone of clause 143, wherein the third recipient identity includes data that uniquely identifies the third smartphone.

  145. The smartphone of clause 144, wherein the data that uniquely identifies the third smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).

  146. The smartphone of clause 143, wherein the third recipient identity comprises an International Mobile Subscriber Identity (IMSI).

  147. The smartphone of clause 135, wherein the first recipient identity includes data that uniquely identifies the second smartphone.

  148. The smart phone of clause 147, wherein the data uniquely identifying the second smart phone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).

  149. The smartphone of any of clauses 135-148, wherein the first recipient identity includes an International Mobile Subscriber Identity (IMSI).

Clause 150-Processor;
A data storage device for storing computer readable program instructions executable by the processor;
And entering a first recipient identity includes entering an identity shortcut associated with the first recipient identity;
The program instructions are executable by the processor to retrieve the first recipient identity from the data store in response to entering an identity shortcut;
150. A smartphone according to any of clauses 135 to 149, wherein transferring the first recipient identity includes transferring the first recipient identity retrieved from the data storage device.

Section 151-Receiving at the application server a first transfer amount and a first recipient identity that identifies the first recipient for the first currency transfer;
Using the application server to verify that the first recipient is registered to receive the first currency transfer in the recipient's wallet;
Using the application server to verify that the sender's wallet has sufficient funds to perform the first currency transfer;
Using the application server to withdraw at least a first transfer amount from the sender's wallet; and using the application server to deposit the first transfer amount into the recipient's wallet;
A method involving that.

  Clause 152-The method of clause 151 further comprising receiving at the application server a currency identifier that identifies the currency to be transferred via the first currency transfer.

  153. The method of clause 151 or 152 further comprising receiving at the application server a sender identifier that identifies the sender's wallet.

Clause 154-Receiving sender identifier data at the application server that can be used by the application server to identify the sender wallet and using the sender identifier data at the application server to identify the sender wallet.
154. The method of any of clauses 151 to 153, further comprising:

Clause 155-Receive at the application server a second remittance amount for a second currency transfer and a second recipient identity identifying the second recipient;
Data that uses the application server to determine that the sender's wallet has insufficient funds to perform the second currency transfer, and to indicate that the second currency transfer was unsuccessful A first notification including: from the application server,
155. The method of any of clauses 151 to 154, further comprising:

  156. The method of clause 155, wherein the first notification includes data indicating why the second currency transfer was unsuccessful.

  Clause 157—The method of clause 155, wherein the first recipient and the second recipient are the same recipient.

  158. The method of clause 155, further comprising using the application server to verify that the second payee is registered to receive the second currency transfer in the payee's wallet.

  Clause 159—The method of clause 155, wherein the identity of the second recipient includes data that uniquely identifies the second smartphone.

  Clause 160-The method of clause 159, wherein the data uniquely identifying the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) or an International Mobile Equipment Identity (IMEI).

  163. The method of clause 155, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI).

Clause 162-Receive at the application server a third remittance amount for a third currency transfer and a third recipient identity identifying a third recipient;
Use the application server to determine that the third payee is not registered to receive the third currency transfer in the recipient's wallet, and that the third currency transfer was unsuccessful Transmitting a second notification from the application server including the data to be indicated;
156. The method of clause 155, further comprising:

  163. The method of clause 162, wherein the second notification includes data indicating why the third currency transfer was unsuccessful.

  164. The method of clause 162, wherein the second recipient identity includes data that uniquely identifies the second smartphone.

  165. The method of clause 164, wherein the data uniquely identifying the second smart phone includes a mobile subscriber services integrated digital network number (MSISDN), or an international mobile device identity (IMEI).

  166. The method of clause 162, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI).

  167. The method of any of clauses 151 to 166, wherein the first recipient identity includes data that uniquely identifies the first smartphone.

  Clause 168-The method of clause 166, wherein the data that uniquely identifies the first smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).

  169. The method of any of clauses 151-168, wherein the first recipient identity comprises an International Mobile Subscriber Identity (IMSI).

Clause 170-a processor;
170. A computer readable data storage device including program instructions executable by a processor to perform the method of any of clauses 151 to 169;
Application server with

  171. A computer readable data storage device comprising computer readable program instructions executable by a processor to perform the method of any of clauses 151 to 169.

  172. The computer readable data storage device of clause 171, wherein the computer readable data storage device is a non-transitory computer readable data storage device.

  173-A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of clauses 151 to 169.

  174-A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of clauses 151-169.

  175--In a computer software product for transferring money, instructions executed by a data processing system to cause the data processing system to perform the functions described in any of clauses 151 to 169 when executed by a processor of the data processing system. Including software products.

Section 176-With Processors;
A computer readable data storage device storing computer readable program instructions executable by the processor;
A network interface configured to receive a first transfer amount for a first currency transfer and a first recipient identity identifying the first recipient;
And the program instructions are executable by the processor to confirm that the first payee is registered to receive the first money transfer in the payee's wallet;
The program instructions can be executed by the processor to confirm that the sender's wallet has sufficient funds to perform the first currency transfer;
The program instructions are executable by the processor to withdraw at least a first transfer amount from the sender's wallet,
The program instructions can be executed by the processor to deposit the first transfer amount into the recipient's wallet.
Application server.

  Clause 177—The application server of clause 176, wherein the network interface is configured to receive a currency identifier identifying a currency to be transferred via the first currency transfer.

  Clause 178—The application server of clause 176 or 177, wherein the network interface is configured to receive a sender identifier identifying the sender's wallet.

Clause 179—The network interface is configured to receive sender identifier data that the application server can use to identify the sender wallet, and the processor uses the sender identifier data at the application server to send the sender 179. The application server of any of clauses 176 to 178 that identifies a wallet.

Clause 180-The network interface is configured to receive a second remittance amount for a second currency transfer and a second recipient identity identifying the second recipient;
The program instructions can be executed by the processor to determine that the sender's wallet is insufficient for performing the second currency transfer, and the network interface is not capable of transferring the second currency transfer. 179. The application server of any of clauses 176-179, configured to transmit a first notification that includes data indicating success.

  181. The application server of clause 180, wherein the first notification includes data indicating why the second currency transfer was unsuccessful.

  Clause 182—The application server of clause 180, wherein the first recipient and the second recipient are the same recipient.

  183. The application of clause 180, wherein the program instructions are executable by the processor to confirm that the second payee is registered to receive the second currency transfer in the payee's wallet. server.

  184. The application server of clause 180, wherein the second recipient identity includes data that uniquely identifies the second smartphone.

  185. The application server of clause 184, wherein the data uniquely identifying the second smart phone includes a mobile subscriber services integrated digital network number (MSISDN), or an international mobile device identity (IMEI).

  186. The application server of clause 180, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI).

Clause 187-The network interface is configured to receive a third remittance amount for a third currency transfer and a third payee identity identifying the third payee,
The program instructions can be executed by the processor to determine that the third payee is not registered to receive the third currency transfer in the payee's wallet, and the network interface 181. The application server of clause 180, configured to transmit a second notification that includes data indicating that the remittance was unsuccessful.

  188. The application server of clause 187, wherein the second notification includes data indicating why the third currency transfer was unsuccessful.

  Clause 189—The application server of clause 187, wherein the second recipient identity includes data that uniquely identifies the second smartphone.

  Clause 190-The application server of clause 189, wherein the data uniquely identifying the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) or an International Mobile Equipment Identity (IMEI).

  191. The application server of clause 187, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI).

  192. The application server of any of clauses 176-191, wherein the first recipient identity includes data that uniquely identifies the first smartphone.

  193. The application server of clause 192, wherein the data uniquely identifying the first smart phone includes a mobile subscriber services integrated digital network number (MSISDN), or an international mobile device identity (IMEI).

  194. The application server of any of clauses 176-193, wherein the first recipient identity comprises an international mobile subscriber identity (IMSI).

195--Enters the payment amount and displays a payment form on the smart phone display device for selecting the first payment instrument used to deposit the user's wallet;
Use the payment form to enter the payment amount and select the first payment method used to deposit the user's wallet;
The payment amount entered using the payment form and the identifier of the first payment instrument selected using the payment form are transmitted from the smartphone to the application server; and the payment to the user's wallet has been completed successfully Receive notifications from the application server via smartphone;
A method involving that.

196—Transmit a request for a list of approved payment instruments from the smartphone to the application server; and receive the list of approved payment instruments from the application server on the smartphone;
196. The clause 195, wherein the list of approved payment instruments includes data relating to the first payment instrument, and displaying the payment form includes displaying data relating to the first payment instrument. the method of.

Section 197-The list of approved payment instruments includes data relating to at least one other approved payment instrument, and displaying the payment form includes data relating to at least one other approved payment instrument. 196. The method of clause 196, comprising displaying.

Clause 198—Displays a selectable icon on the smartphone display device for displaying the payment form on the display device, and uses the smartphone to select an icon for displaying the payment form on the display device.
196. The method of any of clauses 195 to 197, further comprising:

  199. The method of clause 198, wherein the icon is a deposit icon.

  Section 200—Transmit payment means information for the first payment instrument from the smartphone to the application server after transmitting the request for the list of approved payment instruments and before receiving the list of approved payment instruments; 196. The method of clause 196, further comprising receiving a second notification indicating that the application server has registered the first payment instrument as an approved payment instrument.

  Section 201—To display a prompt on a display device to register a payment instrument with an application server after transmitting a request for a list of approved payment instruments and before receiving a list of approved payment instruments 200. The method of clause 200, further comprising receiving a third notification that triggers a smartphone.

  Clause 202—A method according to any of Clauses 195 to 201, wherein the first payment instrument comprises a credit card or debit card.

  203. The method of any of clauses 195-202, further comprising: transmitting user attributes from a user profile stored in the smart phone data storage device from the smartphone to the application server.

  Clause 204—A method according to any of clauses 195 to 203, further comprising transmitting the smart phone identifier from the smartphone to the application server.

Clause 205—a processor;
A computer readable data storage device comprising program instructions executable by a processor to perform the method of any of clauses 195-204;
Smartphone equipped with.

  206. A computer readable data storage device comprising computer readable program instructions executable by a processor to perform the method of any of clauses 195-204.

  Clause 207—The computer readable data storage device of clause 206, wherein the computer readable data storage device is a non-transitory computer readable data storage device.

  Clause 208—A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of clauses 195 to 204.

  209-A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of clauses 195-204.

  Clause 210—Instructions for causing a data processing system to perform the functions described in any of clauses 195 to 204 when executed by a processor of the data processing system in a computer software product for performing user verification. Including software products.

Clause 211—Displays a pre-funding form on a smart phone display device that inputs a first pre-funding amount and a first funding identity that identifies a first funding source for pre-financing a virtual credit card. And
Enter the first pre-funding amount and the first funding identity using the pre-funding form;
Transfer the first pre-funding amount and first funding identity entered using the pre-financing form from the smartphone to the application server; and pre-financing the first pre-financing amount to the virtual credit card Receiving on the smartphone from the application server a first notification indicating that has been successfully completed;
A method involving that.

  Clause 212—A first to second party having a first party device using a financial server having a first party wallet storing first party funds and a second party wallet storing second party funds. Generating a unique identifier for a transaction to transfer funds from a first party to a second party in a method implemented by a data processing system to transfer funds to a second party having a device; The first party authorizes the financial server to transfer the funds stored at the first party to the second party; the financial server uses the first party based on the authorization received from the first party. Transferring funds from the second wallet to the second party's wallet; and the financial server notifies the second party that the transaction has been terminated.

Clause 213—The first party is the customer, the second party is the merchant, and the financial transaction is such that the customer pays an invoice from the merchant, and the method is performed at the first party device Including the following steps:
Scan the invoice encoding;
In response to scanning the invoice encoding, transmitting the invoice encoding to the financial server;
Receiving a breakdown of invoices from the financial server, where the invoice breakdown includes at least an itemized list of purchases;
Responsible to select a service charge from a list of service charges in response to receiving an invoice breakdown;
Receive the selected service fee listed in the list of service fees; and, in response to receiving the selected service fee, add the selected service fee to the bill and from the first party's wallet 212. The method of clause 212, wherein an authorization to transfer the total amount to the second party's wallet is transmitted to the financial server, the total amount including a fee associated with the itemized list of purchases and a selected service fee;

XII. Conclusion The exemplary embodiment has been described above. Those skilled in the art will recognize that changes and modifications may be made to the above-described embodiments without departing from the spirit and scope of the invention as defined in the claims.

  This detailed description describes various features and functions of the systems, devices, and methods disclosed herein with reference to the accompanying drawings. In the drawings, similar components are typically identified with similar symbols unless otherwise indicated. The embodiments described in the detailed description, drawings, and claims are not limited thereto. Other embodiments may be used and other modifications may be made without departing from the spirit or scope of the subject matter described herein. The aspects of the present disclosure shown in the accompanying drawings and generally described herein may be arranged, replaced, synthesized, separated, and designed in a variety of different configurations, all of which are specifically contemplated herein.

  For any or all of the message flow diagrams, scenarios, and flowcharts shown and described, each step, block, and / or communication represents processing of information and / or transmission of information in accordance with an exemplary embodiment. Other embodiments are within the scope of these exemplary embodiments. In these alternative embodiments, for example, the functions described as steps, blocks, transmissions, communications, requests, responses, and / or messages can be performed in a different order than that shown and described. Substantially simultaneous or reverse order is also included based on the functions involved. In addition, more or fewer steps, blocks, and / or functions may be used with the message flow diagrams, scenarios, and flowcharts described herein, and those message flow diagrams, scenarios, and flowcharts may be partially or fully used. Can be partially bonded.

  The steps or blocks representing the processing of information correspond to circuits that can be configured to perform the specific logical functions of the methods or techniques described herein. Alternatively or additionally, the steps or blocks representing the processing of information correspond to modules, segments, or portions of program code (including related data). The program code includes one or more instructions that can be executed by a processor to perform a particular logical function or action in a method or technique. Program code and / or associated data may be stored on any form of computer readable media, such as a storage device including a disk or hard drive or other storage medium.

  Computer-readable media includes non-transitory computer-readable media, such as computer-readable media that stores data for a short period of time, such as register memory, processor cache, and / or random access memory (RAM). . The computer readable medium may be a non-transitory computer readable medium that stores program code and / or data for a long period of time, such as a read only memory (ROM), an optical or magnetic disk, and / or a compact disk read only memory ( Secondary or persistent long-term storage devices such as CD-ROM). The computer readable medium may be other volatile or non-volatile storage systems. The computer-readable medium can be considered as a computer-readable storage medium or a tangible storage device, for example. Data identified as being stored in the data storage device or transmitted to the device for storage in the data storage device includes a computer data signal implemented on a carrier wave.

  Further, a step or block representing one or more information transmissions corresponds to information transfer between software and / or hardware modules in the same physical device. However, other communication of information between software modules and / or hardware modules in different physical devices is also conceivable.

  While various aspects and embodiments have been disclosed, other aspects and embodiments will be apparent to those skilled in the art. The various aspects and embodiments described herein are illustrative only and not limiting.

100: payment system 102: application server 104, 110: database 106: user smart phone device 108: merchant terminal 112: user profile 116: communication network 140: merchant website ID code 142: merchant profile 150: processor 152: network interface 154 : User interface 158: Data storage device 162: CRPI
164: user app
166: Processor 168: Network interface 170: User interface 172: Data storage device 176: CRPI
178: merchant app
182: Processor 184: Network interface 186: User interface 188: Data storage device 192: CRPI
194: user app

Claims (194)

Scanning a first quick response (QR) code encoding a first merchant identification code and a first promotional identifier using a smart phone code scanner;
Decoding the first QR code in a smart phone to recover the first merchant identification code and the first promotion identifier;
Transmitting the first merchant identification code and the first promotional identifier recovered from the first QR code from a smartphone to an application server;
Receiving a first promotional gift certificate associated with the first promotion identifier from an application server on a smartphone; and storing the first promotional gift certificate in a data storage device of the smartphone;
A method involving that. Receiving the first promotional gift certificate includes receiving a first gift certificate image, and storing the first promotional gift certificate includes the first gift certificate image of the smartphone. The method of claim 1, comprising storing in a data storage device. Displaying a list of unredeemed promotional gift certificates stored in the data storage device on a display device of a smartphone, wherein the list of unrewarded promotional gift certificates identifies the first promotional gift certificate;
Using a user interface of a smart phone, selecting the first promotional gift certificate from a list of unrewarded promotional gift certificates, and displaying the first promotional gift certificate on the display device;
The method of claim 1 further comprising: Displaying a redemption icon selectable to start redeeming the first promotional gift certificate on a display device of the smartphone;
Using the smartphone user interface, select the redemption icon to start redeeming the first promotional gift certificate;
The method of claim 3 further comprising: Receiving a first notification from the application server on the smartphone indicating that the first promotional gift certificate has been redeemed, and deleting the first promotional gift certificate from the list of unredeemed gift certificates ,
The method of claim 4 further comprising:   6. The method of claim 5, further comprising adding the first promotional gift certificate to a list of redeemed promotional gift certificates after receiving the first notification.   The method of claim 5, wherein the redemption of the first promotional gift certificate is performed in part by showing the first promotional gift certificate to a merchant associated with a first merchant identification code. The exchange of the first promotional gift certificate is performed as an online gift certificate exchange, and the online gift certificate exchange involves transmitting a code related to the first promotional gift certificate from the smartphone to a merchant server. 6. The method of claim 5, comprising. Displaying a selectable scan icon on the display device to initiate the code scanner to scan the first QR code, and using the smartphone user interface, selecting the scan icon; Starting a code scanner to scan the first QR code;
The method of claim 1 further comprising: At least one of the first merchant identification code and the first promotion identifier encoded in the first QR code is encrypted;
The method further comprises:
2. The method of claim 1, further comprising decrypting the at least one of a first merchant identification code and a first promotional identifier encoded in the first QR code at the smartphone. Method. Prompting the display device of the smartphone to approve transmission of information from the user profile stored in the smartphone to the application server; and using the user interface of the smartphone, the user profile Enter approval for transmission of the information from the application server to the application server,
The method of claim 1 further comprising:   12. The method of claim 11, wherein displaying the prompt and entering an approval is after decoding the first QR code and before transmitting information to the application server. Receiving a gift certificate application executable by the smart phone processor from the application server with the smartphone, and executing the gift certificate application to transmit information from the user profile to the application server; and Installing the gift certificate application on the smartphone before scanning the QR code of
The method of claim 11, further comprising: displaying the prompt and entering an approval while installing the gift certificate application on the smartphone. Using the smart phone code scanner to scan a second QR code that encodes a second merchant identification code and a second promotional identifier;
Decoding the second QR code in the smart phone to recover the second merchant identification code and the second promotional identifier;
In response to decoding the second QR code, the smart phone display device displays a prompt to approve transmission of information from the user profile stored in the smart phone to the application server. Using a user interface of the smart phone and in response to the prompt, entering a disapproval of transmission of information from the user profile to the application server;
The method of claim 1 further comprising:   The method of claim 1, wherein scanning the first QR code includes scanning a QR code printed on a document.   The method of claim 1, wherein scanning the first QR code includes scanning a QR code displayed on an electronic display device external to a smartphone. The first QR code further encodes a repository address;
The repository address identifies an address where the application server can transfer information from a user profile stored on a smartphone;
Decoding the first QR code includes recovering the repository address;
The method of claim 1, further comprising transmitting the recovered repository address from the smartphone to the application server.   18. A method according to any of claims 11, 14 and 17, wherein the information from the user profile is stored in the user profile prior to decoding the first QR code.   12. Information from the user profile is stored in the user profile after decoding the first QR code and in response to entering or selecting information via a smartphone user interface. , 14, and 17.   Information from the user profile includes a portion of the information stored in the user profile prior to decoding the first QR code, and after decoding the first QR code and through the user interface of the smartphone. 18. A method according to any of claims 11, 14, and 17, comprising a portion of information stored in the user profile in response to entering or selecting information via.   The method of claim 1, wherein the first promotional gift certificate is redeemable to receive a discount when purchasing an item from a merchant. A processor;
A computer readable data storage device including program instructions executable by the processor to perform the method of any of claims 1 to 21;
Smartphone equipped with.   A computer readable data storage device comprising computer readable program instructions executable by a processor to implement the method of any of claims 1 to 21.   24. The computer readable data storage device of claim 23, wherein the computer readable data storage device is a non-transitory computer readable data storage device.   A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of claims 1 to 21.   A reproducible computer readable signal carrying a computer readable program instruction for performing the method of any of claims 1 to 21.   Computer software product for remittance of currency, including software that, when executed by a processor of the data processing system, causes the data processing system to perform the function according to any of claims 1 to 21. Product. A scanner configured to scan a first quick response (QR) encoding a first merchant identification code and a first promotional identifier;
A processor;
A computer readable data storage device including a user profile and computer readable program instructions for executing the program instructions to decode the first QR code, the first merchant identification code and a first A data storage device adapted to recover the promotion identifier;
A network interface configured to transmit a first merchant identification code and a first promotional identifier recovered from the first QR code to an application server;
The network interface is configured to receive a first promotional gift certificate associated with the first promotional identifier from the application server, and the data storage device is configured to receive the first promotional coupon received at the network interface. Smartphone adapted to store promotional identifiers. The smart phone according to claim 28, wherein the first promotional gift certificate includes a first gift certificate image, and the data storage device stores the first gift certificate image. A display device for displaying a list of unrewarded promotional gift certificates stored in the data storage device, wherein the list of unrewarded promotional gift certificates is for identifying a first promotional gift certificate; ,
A user interface configured to select the first promotional gift certificate from the list of unrewarded promotional gift certificates;
The smartphone according to claim 28, further comprising: the display device displaying the first promotional gift certificate. A display device displaying a redemption icon selectable to start redeeming the first promotional gift certificate;
A user interface configured to select the redemption icon and start redeeming the first promotional gift certificate;
The smartphone of claim 28, further comprising: The network interface is configured to receive a first notification from the application server indicating that the first promotional gift certificate has been redeemed, and the program instructions are from the list of unredeemed gift certificates Executable by the processor to delete the first promotional gift certificate;
The smart phone according to claim 31.   33. The smartphone of claim 32, wherein the program instructions are executable by the processor to add the first promotional gift certificate to a list of redeemed promotional gift certificates.   The smartphone according to claim 32, wherein the exchange of the first promotional gift certificate is performed in part by showing the first promotional gift certificate to a merchant associated with a first merchant identification code. The exchange of the first promotional gift certificate is performed as an online gift certificate exchange, and in order to exchange the online gift certificate, the network interface sends a code related to the first promotional gift certificate to the merchant server. The smart phone according to claim 32, which transmits. A display device configured to display a scan icon selectable to initiate the code scanner to scan the first QR code;
A user interface configured to select the scan icon to initiate a code scanner that scans the first QR code;
The smartphone of claim 28, further comprising: At least one of the first merchant identification code and the first promotion identifier encoded in the first QR code is encrypted;
The program instructions are executable by the processor to decrypt the at least one of the encrypted first merchant identification code and first promotional identifier encoded in the first QR code. The smart phone according to claim 28. A display device configured to display a prompt to approve transmission of information from a user profile stored in the data storage device to the application server;
A user interface configured to enter authorization for transmission of the information from the user profile to the application server;
The smartphone of claim 28, further comprising:   39. The smartphone of claim 38, wherein displaying the prompt and entering an approval occurs after decoding the first QR code and before transmitting information to the application server. The network interface receives a gift certificate application executable by the processor from the application server;
By executing the gift certificate application, information is transmitted from the user profile to the application server,
The gift certificate application is installed on the smartphone before the scanner scans the first QR code, and the display device displays the prompt and installs the gift certificate application on the smartphone. 39. The smartphone of claim 38, wherein the approval is entered via the user interface in between. A display device;
A user interface;
The scanner is configured to scan a second QR code encoding a second merchant identification code and a second promotional identifier;
The processor executes the program instructions, decodes the second QR code, recovers the second merchant identification code and a second promotion identifier;
In response to decoding the second QR code, the display device displays a prompt to approve transmission of information from the user profile stored in the data storage device to the application server; and 30. The smartphone of claim 28, wherein the user interface is configured to input an unapproved transmission of information from the user profile to the application server in response to the prompt.   29. The smartphone according to claim 28, wherein the first QR code includes a QR code printed on a document.   29. The smartphone according to claim 28, wherein the first QR code includes a QR code displayed on an electronic display device external to the smartphone. The first QR code further encodes a repository address;
The repository address identifies an address where the application server can transfer information from a user profile stored in a data storage device;
Decoding the first QR code includes recovering the repository address;
30. The smartphone of claim 28, wherein the network interface transmits the recovered repository address to the application server.   45. A smartphone according to any of claims 38, 41 and 44, wherein the information from the user profile is stored in the user profile prior to decoding the first QR code.   39. Information from the user profile is stored in the user profile after decoding the first QR code and in response to entering or selecting information via a smartphone user interface. , 41 and 44.   Information from the user profile includes a portion of the information stored in the user profile prior to decoding the first QR code, and after decoding the first QR code and through the user interface of the smartphone. 45. A smartphone according to any of claims 38, 41 and 44, comprising a portion of information stored in the user profile in response to entering or selecting information via.   29. The smartphone of claim 28, wherein the first promotional gift certificate is redeemable for a discount when purchasing an item from a merchant. A confirmation form including a first icon identifying a first type user identifier is displayed on the display device of the smartphone;
From the confirmation form, select a first icon that identifies the first type of user identifier;
Receiving a first image for performing a first user verification with a smartphone;
A first image for performing the first user verification is transmitted from the smartphone to the application server, and a first notification indicating that the first user verification is successful is transmitted from the application server to the application server. receive,
A method involving that.   Further comprising deactivating the first icon while the confirmation form is displayed, wherein the first icon is responsive to recording the first image for performing a first user verification. 50. The method of claim 49, wherein the method is disabled. The confirmation form further includes at least one additional icon identifying at least one additional type of user identifier, wherein each additional icon identifies each additional type of user identifier, ,
Selecting a second icon from the confirmation form to identify a second type user identifier;
Recording a second image for performing the first user verification on a smartphone, and transmitting the second image for performing the first user verification from the smartphone to an application server;
50. The method of claim 49, further comprising:   Further comprising deactivating a second icon while the confirmation form is displayed, wherein the second icon is responsive to recording a second image for performing a first user verification. 52. The method of claim 51, wherein the method is deactivated. Selecting a third icon identifying the third type user identifier from the confirmation form;
Recording a third image for performing the first user verification on a smartphone, and transmitting the third image for performing the first user verification from the smartphone to an application server;
52. The method of claim 51, further comprising:   A third icon is deactivated while the confirmation form is displayed, and the third icon is deactivated in response to recording a third image for performing a first user verification. 54. The method of claim 53.   The first type of user identifier is credit card front, credit card back, debit card front, debit card back, driver's license front, driver's license back, passport, bill, mobile phone bill 50. The method of claim 49, wherein the method is selected from the group consisting of: a bank statement, a utility bill, a transaction statement, a credit card statement, and a bank deposit balance certificate.   50. The method of claim 49, further comprising generating a user profile on the smartphone. 57. The method of claim 56, wherein the user profile includes payment instrument data, and the first user verification is performed to verify the payment instrument data. Displaying a selectable icon on the display device to start user verification and selecting the selectable icon associated with user verification using a smartphone;
52. The method of claim 49, further comprising: selecting the selectable icon associated with the user verification triggers display of the confirmation form.   59. The method of claim 58, wherein displaying a selectable icon to initiate the user verification includes displaying a verification icon.   50. The method of claim 49, further comprising receiving at the smartphone a second notification indicating that the application server has successfully uploaded an image transmitted to the application server for first user verification. .   61. The method of claim 60, further comprising receiving at the smartphone a third notification indicating that the application server is waiting for verification of an image transmitted to the application server for first user verification. the method of.   62. The method of claim 61, further comprising receiving at the smartphone a fourth notification indicating that the first user verification has been successfully completed.   64. The method of claim 62, further comprising displaying the fourth notification on the display device. A processor;
64. A computer readable data storage device comprising program instructions executable by the processor to perform the method of any of claims 49 to 63;
Smartphone equipped with.   64. A computer readable data storage device comprising computer readable program instructions executable by a processor to perform the method of any of claims 49 to 63.   66. The computer readable data storage device of claim 65, wherein the computer readable data storage device is a non-transitory computer readable data storage device.   64. A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of claims 49 to 63.   64. A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of claims 49 to 63.   64. In a computer software product for performing user verification, including instructions that when executed by a processor of a data processing system cause the data processing system to perform the functions of any of claims 49 to 63. Software product. A display device configured to display a valid form including a first icon identifying a first type of user identifier;
A user interface configured to select a first icon identifying the first type of user identifier from the valid form;
A computer readable data storage device configured to record a first image for performing first user verification;
A network configured to transmit a first image for performing the first user verification to the application server and to receive a first notification from the application server indicating that the first user verification was successful. Interface,
Smartphone equipped with. A processor,
The computer readable data storage device stores a computer readable program instruction executable by the processor to deactivate the first icon while the confirmation form is displayed; and 72. The smartphone of claim 70, wherein an icon is deactivated in response to recording the first image for performing a first user verification. The confirmation form further includes at least one additional icon identifying at least one additional type of user identifier;
Each additional icon identifies each additional type of user identifier,
The user interface is configured to select a second icon identifying the second type user identifier from the confirmation form;
The computer readable data storage device records a second image for performing a first user verification, and the network interface stores a second image for performing the first user verification. 72. The smartphone of claim 70, configured to transmit to an application server. A processor,
The computer readable data storage device stores a computer readable program instruction executable by the processor to deactivate the second icon while the confirmation form is displayed; and 73. The smartphone of claim 72, wherein an icon is deactivated in response to recording the second image for performing a first user verification. The user interface is configured to select a third icon identifying the third type user identifier from the confirmation form;
The processor executes a program instruction to record a third image for performing the first user verification in the data storage device, and the network interface performs the first user verification. 73. The smartphone of claim 72, configured to transmit a third image to an application server. The program instructions can be executed by the processor to deactivate a third icon while the confirmation form is displayed, and the third icon is used to perform the first user verification. 75. The smartphone of claim 74, wherein the smartphone is deactivated in response to recording a third image.   The first type of user identifier is credit card front, credit card back, debit card front, debit card back, driver's license front, driver's license back, passport, bill, mobile phone bill 71. The smart phone of claim 70, wherein the smart phone is selected from the group consisting of: a certificate, a utility bill, a transaction statement, a credit card transaction statement, and a bank deposit certificate. A processor;
A computer readable data storage device storing computer readable program instructions executable by the processor to generate a user profile in the data storage device;
The smart phone according to claim 70, comprising: 78. The smartphone of claim 77, wherein the user profile includes payment instrument data, and the first user verification is performed to verify the payment instrument data. The display device is configured to display a selectable icon to initiate user verification;
The user interface is configured to select the selectable icon associated with user verification, and selecting the selectable icon associated with the user verification triggers display of the confirmation form. The smart phone according to claim 70.   80. The smartphone of claim 79, wherein the displayed icons that are selectable to initiate user verification include a verification icon.   71. The network interface according to claim 70, wherein the network interface is configured to receive a second notification indicating that the application server has successfully uploaded an image transmitted to the application server for first user verification. The listed smartphone.   The network interface is configured to receive a third notification indicating that the application server is waiting to verify an image transmitted to the application server for a first user verification. 81. The smart phone according to 81.   83. The smartphone of claim 82, wherein the network interface is configured to receive a fourth notification indicating that a first user verification has been successfully completed.   84. The smartphone of claim 83, wherein the display device is configured to display the fourth notification. A free form entry field for entering a mobile subscriber service integrated digital network number (MSISDN) is displayed on the display device of the smartphone;
Using a smartphone, enter the MSISDN into the free form entry field,
Transmit the MSISDN from the smartphone to the application server,
Receiving a short message service (SMS) message on a smartphone including a personal identification number (PIN) provided by the application server;
Transmitting the PIN from the smartphone to the application server and receiving at the smartphone from the application server a first notification indicating that the application server has successfully created a user account associated with the MSISDN;
A method involving that. Generating a user profile on the smartphone;
Displaying at least one additional field for inputting user profile information on the display device of the smartphone;
Using the smartphone to enter user profile information in at least one additional field, and storing user profile information entered in the user profile using the smartphone;
86. The method of claim 85, further comprising:   The user profile information includes at least one of a user's first name, user's last name, user's date of birth, e-mail address, real address, account currency, and payment instrument information. the method of.   87. The method of claim 86, further comprising transmitting user profile information entered using the smartphone to store on the application server from the smartphone to the application server. Displaying a selectable icon on the smartphone display device to initiate the process of registering the smartphone with the application server;
Selecting the icon using the smartphone and initiating the process of registering the smartphone with the application server;
86. The method of claim 85, further comprising:   90. The method of claim 89, wherein displaying the icon includes displaying a registration icon. After receiving the first notification, display another instance of the free form entry field for entering the MSISDN on the smartphone display device;
Using the smartphone, enter the MSISDN into another instance of the free form entry field,
A second notification indicating that an MSISDN input to another instance of the free form entry field is transmitted from the smartphone to the application server and an account associated with the MSISDN already exists in the application server; Receive on the smartphone from the application server,
86. The method of claim 85, further comprising:   92. The method of claim 91, further comprising displaying the second notification on the display device. After receiving an SMS message containing a PIN and before sending the PIN from the smartphone to the application server, the wrong PIN is transmitted to the application server, and the wrong PIN is valid by the application server Receiving a third notification from the application server on the smartphone, indicating that
86. The method of claim 85, further comprising:   94. The method of claim 93, further comprising displaying the third notification on the display device.   86. The method of claim 85, further comprising displaying the first notification on the display device. A processor;
96. A computer readable data storage device comprising program instructions executable by a processor to implement the method of any of claims 85 to 95;
Smartphone equipped with.   96. A computer readable data storage device comprising computer readable program instructions executable by a processor to implement the method of any of claims 85-95.   98. The computer readable data storage device of claim 97, wherein the computer readable data storage device is a non-transitory computer readable data storage device.   96. A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of claims 85 to 95.   96. A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of claims 85-95.   In a computer software product for performing user verification, including instructions that when executed by a processor of a data processing system, cause the data processing system to perform the functions of any of claims 95 to 105 Software product. A processor;
A user interface configured to display a free form entry field for entering a mobile subscriber services integrated digital network number (MSISDN) and to enter the MSISDN into the free form entry field;
(I) send the MSISDN entered using the user interface to an application server; (ii) receive a short message service (SMS) message including a personal identification number (PIN) provided by the application server; iii) transmit the PIN to the application server; and (iv) receive a first notification from the application server indicating that the application server has successfully generated a user account associated with the MSISDN. Network interface,
Smartphone equipped with. A data storage device for storing a user profile generated by the processor executing a user application;
The data storage device stores the user application,
The user interface is configured to display at least one additional field for entering user profile information;
The user interface is configured to enter user profile information into at least one additional field, and the data storage device stores user profile information entered into the user profile using the user interface 103. The smart phone according to claim 102.   104. The smartphone of claim 103, wherein the data storage device comprises a non-transitory computer readable data storage device.   104. The smartphone of claim 103, wherein the network interface is configured to transmit user profile information to the application server for storage on the application server.   104. The user profile information of claim 103, wherein the user profile information includes at least one of a user's first name, user's last name, user's date of birth, e-mail address, real address, account currency, and payment instrument information. Smartphone.   A computer-readable program instruction executable by the processor to cause the user interface to display at least one of a registration icon, a deposit icon, a remittance icon, a banking icon, a capture icon, and a verification icon. Item 110. The smartphone according to Item 102. The user interface is configured to display another instance of the free form entry field for entering the MSISDN after receiving the first notification, and enter the MSISDN into that other instance of the free form entry field. And
The network interface is configured to transmit to the application server an MSISDN input to the other instance of the free form entry field, and indicates that an account associated with the MSISDN already exists on the application server 105. The smartphone of claim 102, configured to receive a second notification from the application server.   109. The smartphone of claim 108, wherein the user interface displays the second notification. After receiving the SMS message containing the PIN and before sending the PIN to the application server, the wrong PIN is transmitted to the application server, and the wrong PIN is validated by the application server 105. The smartphone of claim 102, configured to receive a third notification from the application server indicating that there was no.   111. The smartphone of claim 110, wherein the user interface displays the third notification.   105. The smartphone of claim 102, wherein the user interface displays the first notification. Displaying a remittance form on a display device of the first smartphone for entering a first remittance amount and a first recipient identity identifying the first recipient for the first currency transfer;
Using the remittance form, enter the first remittance amount and first recipient identity,
Transmitting the first transfer amount and the first recipient identity entered using the transfer form from a first smartphone to an application server; and a first currency transfer to the first recipient Receiving a first notification from the application server on the first smartphone indicating successful completion;
A method involving that.   114. The method of claim 113, further comprising selecting a remittance currency for a first currency transfer using a remittance form, wherein the first currency transfer is for a remittance amount of the remittance currency. . The first smartphone includes a currency identifier that identifies a default currency for currency transfer initiated using the first smartphone;
The method further includes transferring a default currency identifier from the first smartphone to the application server;
114. The method of claim 113, wherein the first currency transfer is for a default currency transfer amount. Displaying a selectable icon on the display device of the first smartphone to display the remittance form on the display device;
Select the selectable icon,
114. The method of claim 113, wherein displaying the remittance form is performed in response to selecting the selectable icon. A second instance of a remittance form for entering a second remittance amount and a second payee identity identifying a second payee for a second currency transfer is displayed on the display device of the first smartphone. And
Enter the second remittance amount and second recipient identity using a second instance of the remittance form;
Transmitting the second remittance amount and second payee identity entered using the second instance of the remittance form from the first smartphone to an application server, and a second currency transfer to the second payee Receiving on the first smartphone from the application server a second notification indicating that has not been successfully completed;
114. The method of claim 113, further comprising:   118. The method of claim 117, wherein the second recipient identity includes data that uniquely identifies a second smartphone.   119. The method of claim 118, wherein the data uniquely identifying the second smart phone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) or an International Mobile Equipment Identity (IMEI).   118. The method of claim 117, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI). A third instance of a remittance form for entering a third remittance amount and a third payee identity identifying a third payee for a third currency transfer is displayed on the display device of the first smartphone. And
Enter the third remittance amount and third payee identity using a third instance of the remittance form;
Transmitting the third remittance amount and third payee identity entered using the third instance of the remittance form from the first smartphone to the application server, and the third payee sends a third currency remittance Receiving on the first smartphone from the application server a third notification indicating that it is not registered to receive;
114. The method of claim 113, further comprising:   122. The method of claim 121, wherein the third recipient identity includes data that uniquely identifies a third smartphone.   123. The method of claim 122, wherein the data that uniquely identifies the third smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) or an International Mobile Equipment Identity (IMEI).   122. The method of claim 121, wherein the third recipient identity comprises an international mobile subscriber identity (IMSI).   114. The method of claim 113, wherein the first recipient identity includes data that uniquely identifies a second smartphone.   120. The method of claim 119, wherein the data uniquely identifying the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).   114. The method of claim 113, wherein the first recipient identity comprises an international mobile subscriber identity (IMSI). Entering the first recipient identity includes entering an identity shortcut associated with the first recipient identity;
The method further includes retrieving the first recipient identity from a smart phone data store in response to entering the identity shortcut;
114. The method of claim 113, wherein transferring the first recipient identity includes transferring the first recipient identity retrieved from the data storage device. A processor;
A computer readable data storage device comprising program instructions executable by a processor to perform the method of any of claims 113 to 128;
Smartphone equipped with.   129. A computer readable data storage device comprising computer readable program instructions executable by a processor to perform the method of any of claims 113-128.   134. The computer readable data storage device of claim 130, wherein the computer readable data storage device is a non-transitory computer readable data storage device.   129. A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of claims 113 to 128.   A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of claims 113 to 128.   129. A computer software product for remittance of currency, including software that, when executed by a processor of the data processing system, causes the data processing system to perform the functions of any of claims 113 to 128. Product. A display device configured to display a remittance form for entering a first remittance amount and a first recipient identity identifying the first recipient for the first currency transfer;
A user interface for entering a first remittance amount and a first recipient identity using the remittance form;
The first transfer amount and the first recipient identity entered using the transfer form are transmitted to the application server and the first currency transfer to the first recipient has been successfully completed. A network interface for receiving a first notification from the application server,
Smartphone equipped with. The user interface is configured to select a remittance currency for a first currency transfer using the remittance form;
140. The smartphone of claim 135, wherein the first currency transfer is for a transfer currency amount. Further comprising a data storage device storing a currency identifier identifying a default currency for currency transfer initiated using the smartphone;
The network interface is configured to forward the default currency identifier to the application server;
136. The smartphone of claim 135, wherein the first currency transfer is for the default currency transfer amount. The display device is configured to display a selectable icon to cause the display device to display the remittance form;
The user interface is configured to select the selectable icon;
140. The smartphone of claim 135, wherein the display device is configured to display the remittance form in response to selecting the selectable icon. The display device is configured to display a second instance of a remittance form for entering a second remittance amount and a second payee identity identifying a second payee for a second currency transfer. And
The user interface is configured to enter the second remittance amount and a second recipient identity using a second instance of the remittance form;
The network interface transmits the second remittance amount and a second payee identity entered using a second instance of the remittance form to an application server, and a second currency transfer to the second payee 136. The smartphone of claim 135, configured to receive a second notification from the application server indicating that it did not complete successfully.   140. The smartphone of claim 139, wherein the second recipient identity includes data that uniquely identifies a second smartphone.   141. The smartphone of claim 140, wherein the data uniquely identifying the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) or an International Mobile Equipment Identity (IMEI).   140. The smartphone of claim 139, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI). The display device is configured to display a third instance of a remittance form for entering a third remittance amount and a third payee identity identifying a third payee for a third currency transfer. And
The user interface is configured to enter the third remittance amount and a third recipient identity using a third instance of the remittance form;
The network interface transmits the third remittance amount and third payee identity entered using a third instance of the remittance form to an application server, and the third payee receives a third currency remittance. 135. The smartphone of claim 135, configured to receive a third notification from the application server indicating that it is not registered.   145. The smartphone of claim 143, wherein the third recipient identity includes data that uniquely identifies a third smartphone.   145. The smartphone of claim 144, wherein the data that uniquely identifies the third smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).   144. The smartphone of claim 143, wherein the third recipient identity comprises an international mobile subscriber identity (IMSI).   140. The smartphone of claim 135, wherein the first recipient identity includes data that uniquely identifies a second smartphone.   148. The smartphone of claim 147, wherein the data that uniquely identifies the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).   140. The smartphone of claim 135, wherein the first recipient identity comprises an international mobile subscriber identity (IMSI). A processor;
A data storage device storing computer-readable program instructions executable by the processor;
And entering the first recipient identity includes entering an identity shortcut associated with the first recipient identity;
The program instructions are executable by the processor to retrieve the first recipient identity from the data store in response to entering the identity shortcut;
140. The smartphone of claim 135, wherein transferring the first recipient identity includes transferring the first recipient identity retrieved from the data storage device. Receiving at the application server a first transfer amount and a first recipient identity identifying the first recipient for the first currency transfer;
Use the application server to verify that the first recipient is registered to receive the first currency transfer in the recipient's wallet,
Use the application server to confirm that the sender's wallet has sufficient funds to perform the first currency transfer,
Use the application server to withdraw at least a first transfer amount from the sender's wallet, and use the application server to deposit the first transfer amount into the recipient's wallet;
A method involving that.   153. The method of claim 151 further comprising receiving at the application server a currency identifier that identifies a currency to be transferred via the first currency transfer.   153. The method of claim 151, further comprising receiving at the application server a sender identifier that identifies the sender's wallet. Receiving the sender identifier data at the application server that can be used by the application server to identify the sender wallet, and identifying the sender wallet using the sender identifier data at the application server;
152. The method of claim 151, further comprising: Receiving at the application server a second remittance amount and a second recipient identity identifying a second recipient for a second currency transfer;
Using the application server, the sender's wallet determines that the funds are insufficient to perform the second currency transfer and indicates that the second currency transfer was unsuccessful Transmitting a first notification including data from the application server;
152. The method of claim 151, further comprising:   165. The method of claim 155, wherein the first notification includes data indicating why the second currency transfer was unsuccessful.   166. The method of claim 155, wherein the first recipient and the second recipient are the same recipient.   165. The method of claim 155, further comprising using the application server to verify that the second payee is registered to receive the second currency transfer in the payee's wallet.   166. The method of claim 155, wherein the second recipient identity includes data that uniquely identifies a second smartphone.   159. The method of claim 159, wherein the data that uniquely identifies the second smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).   166. The method of claim 155, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI). Receiving at the application server a third remittance amount and a third recipient identity identifying a third recipient for a third currency transfer;
Using the application server to determine that the third payee is not registered to receive the third currency transfer in the recipient's wallet and that the third currency transfer was unsuccessful Transmitting from the application server a second notification including data indicating
165. The method of claim 155, further comprising:   163. The method of claim 162, wherein the second notification includes data indicating why the third currency transfer was unsuccessful.   163. The method of claim 162, wherein the second recipient identity includes data that uniquely identifies a second smartphone.   166. The method of claim 164, wherein the data uniquely identifying the second smart phone includes a mobile subscriber services integrated digital network number (MSISDN) or an international mobile equipment identity (IMEI).   163. The method of claim 162, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI).   152. The method of claim 151, wherein the first recipient identity includes data that uniquely identifies a first smartphone.   171. The method of claim 166, wherein the data that uniquely identifies the first smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN), or an International Mobile Equipment Identity (IMEI).   152. The method of claim 151, wherein the first recipient identity comprises an international mobile subscriber identity (IMSI). A processor;
170. A computer readable data storage device comprising program instructions executable by a processor to implement the method of any of claims 151-169;
Application server with   170. A computer readable data storage device comprising computer readable program instructions executable by a processor to implement the method of any of claims 151-169.   181. The computer readable data storage device of claim 171, wherein the computer readable data storage device is a non-transitory computer readable data storage device.   170. A computer data signal implemented on a carrier wave comprising computer readable program instructions for performing the method of any of claims 151-169.   170. A reproducible computer readable signal carrying computer readable program instructions for performing the method of any of claims 151-169.   170. A computer software product for remittance of currency, including software that, when executed by a processor of the data processing system, causes the data processing system to perform the functions of any of claims 151 to 169. Product. A processor;
A computer readable data storage device storing computer readable program instructions executable by the processor;
A network interface configured to receive a first remittance amount and a first recipient identity identifying the first recipient for a first currency transfer;
The program instructions are executable by the processor to confirm that the first payee is registered to receive the first currency transfer in the payee's wallet;
The program instructions are executable by the processor to confirm that the sender's wallet has sufficient funds to perform the first currency transfer;
The program instructions are executable by the processor to withdraw the at least first transfer amount from a sender's wallet, and the program instructions are for depositing the first transfer amount into a recipient's wallet. Executable by the processor;
Application server.   177. The application server of claim 176, wherein the network interface is configured to receive a currency identifier that identifies a currency to be transferred via the first currency transfer.   177. The application server of claim 176, wherein the network interface is configured to receive a sender identifier that identifies a sender's wallet. The network interface is configured to receive sender identifier data that the application server can use to identify a sender's wallet, and the processor uses the sender identifier data at the application server to send the sender 177. The application server of claim 176, which identifies a person's wallet. The network interface is configured to receive a second remittance amount and a second payee identity identifying a second payee for a second currency transfer;
The program instructions are executable by the processor to determine that the sender's wallet has insufficient funds to perform a second currency transfer, and the network interface is a second currency 179. The application server of claim 176, configured to transmit a first notification that includes data indicating that the remittance was unsuccessful.   181. The application server of claim 180, wherein the first notification includes data indicating why the second currency transfer was unsuccessful.   181. The application server of claim 180, wherein the first recipient and the second recipient are the same recipient.   181. The application of claim 180, wherein the program instructions are executable by the processor to confirm that a second payee is registered to receive a second currency transfer in the payee's wallet. server.   181. The application server of claim 180, wherein the second recipient identity includes data that uniquely identifies a second smartphone.   185. The application server of claim 184, wherein the data uniquely identifying the second smartphone includes a mobile subscriber services integrated digital network number (MSISDN) or an international mobile device identity (IMEI).   181. The application server of claim 180, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI). The network interface is configured to receive a third remittance amount and a third recipient identity identifying a third recipient for a third currency transfer;
The program instructions are executable by the processor to determine that a third payee is not registered to receive a third currency transfer in the payee's wallet; and 181. The application server of claim 180, configured to transmit a second notification that includes data indicating that the third currency transfer was unsuccessful.   188. The application server of claim 187, wherein the second notification includes data indicating why the third currency transfer was unsuccessful.   188. The application server of claim 187, wherein the second recipient identity includes data that uniquely identifies a second smartphone.   189. The application server of claim 189, wherein the data uniquely identifying the second smartphone includes a mobile subscriber services integrated digital network number (MSISDN) or an international mobile device identity (IMEI).   188. The application server of claim 187, wherein the second recipient identity comprises an international mobile subscriber identity (IMSI).   177. The application server of claim 176, wherein the first recipient identity includes data that uniquely identifies a first smartphone.   193. The application server of claim 192, wherein the data uniquely identifying the first smartphone includes a Mobile Subscriber Services Integrated Digital Network Number (MSISDN) or an International Mobile Device Identity (IMEI).   177. The application server of claim 176, wherein the first recipient identity comprises an international mobile subscriber identity (IMSI).

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